I was in your situation 5 years ago, using regaine which helped the crown area but receding continued. I stopped using regaine at about 24 as I couldn't be bothered with it anymore and shaved my hair which actually looked okay,
I decided that I'd wait it out until my hair loss had stabilized and see what my options are. I'm 26 now and around norwood 5 with dense donor areas, I'm used to having my hair shaved now but I have always hankered to have my hair back.
Going for my first HT in January with possibly another in a couple of years.