Big thanks to all of you for replies.
ModernHair, I think you are right that I am on my way to NW6, but I don't know how have you decided that my hair looks good this short if you haven't seen my face upfront.. It looks bad, mostly due to the wrecked hairline. I use toppik often, so it gives some density on top, but I obviously can't sprinkle on the hairline lower than it is now. I don't think that my hairline will recede even further back because it is already very far back, further is going to be behind the line of the ears lol. I have attached a side photo below.
I absolutely understand that hairloss is a life long commitment and don't think that one hair transplant, be it even 3-4k graft transplant, would solve this problem once and forever. I have been browsing hairloss forum for 3 years, researching HT for nearly one year and can't recall many who has done a single transplant and forgot about the treatment of hairloss altogether. I am aware that I will probably need more than one transplant in the future and most certainly beard/body hair transplant too because my donor zone is small in relation to the AGA affected area.
HT doctors themselves seem to have different opinion on my topic. So far I have got a no from Dr. Bisanga clinic due to my young age. Judging by what I've read on the forums in the past year, docs in Belgium are not very keen on working with young patients. With all the respect, I suspect the reason is because they just don't want to bother with 23 y/o guys who can barely scrape 5000 euro for a HT and are obviously a higher risk category, when these docs are already booked for the months to come by the army of older dudes. Turkish doctors on the other hand are more inclined to work with patients of my type and age, and I think it is not because they are somehow desperate for clientele, but because they actually care and know that they can help.
darlinglocks regarding Indian docs, thanks for advice, but I doubt I would go to India for a small FUE session because the plane ticket itself would amount to half of the procedure cost.
Excuse me for such a long post, just wanted to lay my thoughts out.