Thanks for the responses everyone. to answer some questions... one of my brothers lost all of the hair, both frontal and crown. I think that I am following in his footsteps. My other brother has thinned across his entire scalp; however, he did not develop the frontal triangle recession like my oldest brother and I did. I am assuming that within a couple of years, I will have no hair left on the top of my head. I'm basically getting to the point where I am going to shave my head, or do something about it.
I do have some stress, but I doubt that stress plays a critical role. All of my cousins on my mom's side are balding as well. It's a bummer....however I should mention that I do realize that there could be a lot worse things going on. I am blessed to have my health and wonderful family and friends.
Nevertheless, I am very interested in correcting the frontal triangle. But, if I'm going to loose the rest of my hair, is HT going to be worth it, or will I risk looking silly once i loose the rest of my hair?