Dewayne knows what he's talking about. Take his advice. I'm a 24 year old guy who's thinning pretty significantly in my crown and somewhat in the front. I will be the first to admit that I outpunt my coverage when it comes to the whole socializing/dating department. Why? Because I got out of the funk I was in about my hair when it first got bad (and after I made a big mistake and naively went to someone who I didn't research adequately enough) and just started enjoying life as it is and refuse to let my hair (or lack thereof, lol) get the best of me. I was a miserable SOB for a while, but, through some experiences (spending some time in Africa specifically) I realized that it just isn't everything. I understand that people see your hair when they first meet you, but once you come to grips with it, other people won't (well, they will, but to a lesser extent) even pay mind to it.
*steps off soapbox*
Now, don't let that fool you, I am still saving up for a possible procedure down the road. I can't be arsed to right now though, as I am a graduate student with 30K of student loans piled up (majority of that will be paid off due to my profession) as well as saving up to spend my summer in Africa again this year.
In the words of T.I., just live your life.