As hard as it is I would just wait until you start to see little or no more loss before you get a transplant, just so you know where you are, as you may need to get the whole top of your head done in a year or so. Currently you don't look too bad, although there is hair loss, it might just be your normal hairline.
I understand you not wanting to take meds, I'm too scared to take fin because of the potential sides, but I know people who take it no problems?
Cheers
Tom