Dear golfingguru,
First of all, I am a non-english speaking man, so please forgive my English writting if there is any grammatical error or mis-spelled word lurks:-)
I think we were on the same boat as to hair loss. I am 25 now and started developing a receding hairline when I turned to 20. It was very bad to believe hair loss could happen to me at such an early stage, so I feel your pain and concerns. As far as how to deal with this, I can tell you the Propecia pill does work to some extent in terms of slowing down the hair loss (some claimed they even found their hair loss stopped, but that is not my case), so stay on that pill.
I agree with you to take some action early based on my own experience: I have received 1800 grafts at Bosley in SF and hoping it will come out as I expected. I am sitting at 3 weeks post-op and found some people here don't recommend Bosley at all. Well, I can't say whether they are right or not since it is too early for me to see some results (I will post some pics here later on). But as a suggestion, I recommend you to review the cases that each Doc has done here before you choose a Doc for yourself, which I kinda regret that I haven't done so.
Good Luck bro
Long life to our follicles!