check out a thread by screen name SPANKER. his condition pre-HT reminds me of yours
although, he is in his early 30's and seems to have much thicker hair than you, he did have HT to temples and front, areas that you are concerned with, even though most of us would kill to have his pre-HT head of hair. but everyone has different goals for their lifestyle.
in the end, you just might be too young to risk having these areas treated now. maybe not.
best to get a consult with a COALITION doc in your area or via Skype/email, just to have get an opinion on what is really going on and to put your concerns at rest. he might advise fin or minoxidil. totally worth it, just to keep ahead of things.