I read your entire post. I wish you could speak with my close friend who's Dr. (one of the best in the US) told him he'd probably only need 1 FUT. Fast forward 10yrs and 4 FUT scars later.....
I'm not a Doctor and I've only personally know 14 guys who've had HT's.
You may not regret anything next year, or in 5 yrs or 10 yrs but 10 of the 14 guys I know had FUT. 9 of them regret it. I only know what I see. Good luck with your decision. I was really only trying to be helpful.