I'm still around, I'll be 28 soon so about the same age as you. I also don't want to take fin, I tried saw palmetto already and that fucked me up enough (only temporarily luckily). I'm very against taking drugs or any pills for that matter since b5. I'm also tempted by a hair transplant but I would rather wait another 5 years or so because there are some promising hair loss treatments in progress right now. My hair isn't so bad that, and most people don't even notice my hair loss.
I love minoxidil, it caused regrowth in my temples but it's not enough to actually stop the hair loss completely. Though it probably has slowed it down, 3 years ago I was definitely losing way more hair. But the bonus of minoxidil is that it acts as a weak hair gel without making my hair look thin as fuck. I look way more handsome when my hair is nicely styled, and I can almost hide that it's receded a couple of inches.