I can't decide anything in my life without pondering and contemplating it for ages, but it actually seems like at this point you have a no-brainer. You know the downsides of each option, so why not try the more "easy" methods before opting for the HT? This will make you feel a lot more confident in your decision - I think. You will know you tried everything before the big Hair Transplant Surgery (promotional link removed) decision.