i am in the same boat as you, but i am 33. i would and i know this sucks hearing it, because trust me i know. I would line up dr's, and start talking to them to get the front fixed (hairline). After a couple months of researching get that start of 2015.
Since you like it short i would go FUE, but i fan of FUT for hairlines. anyway then i would use fin for a year if you can, TIll all the hair is matured from the HT. Then and only then i would stop Fin, save money up and wait to see how your body does with a HT.
who cares what you look like at 55. I never understand why guys get a HT older than 55 yet don't get in shape first or have a nice set of teeth. hopefully like you said you will be married, but 25 to 45are some prime years!