My brother lost a lot of hair in his mid-20's. And I've had full hair until now (at 38), but now I see some thinning at the top... you know the area on the back/top where hair is growing to many directions. It's worse because I have dark hair and the potential bald area is going to be more visible because of that.
Now it's barely visible but if it goes bad, I'll just shave it all off. I trim my hair with that Philishave anyway... I don't really care. But I'm sure it would have bothered me if it happened when I was 20.
Things have changed too... in the 80's shaved heads reminded people of skinheads. Now it's just fashionable and not "politically incorrect" anymore. Bald head looks good on some, and not so good on some others. It's probably the shape of your skull which determines it.
About those operations... when I was younger, I used to date a nice, nice looking girl who had silicone tits. I'm not a big breasts man but those looked cool, they weren't too big... and if those transplants made her happy, what's wrong with 'em? I don't understand people who see a moral problem with it. Same with hair transplants... if your hair loss is becoming a phsychological problem to you, why not? It's your hair and your decision.
Personally, I would just save the money and buy more watches.