Honestly, your hair looks pretty good in these photos. If your hairline still looks similar to how it did when you were 18, that is generally a reassuring sign. Fine hair and slicked-back styles can also make the temples look more exposed, so comments from other people do not necessarily mean you are actually losing hair. I would not start finasteride just as a precaution without first knowing whether there is real progression. A widow’s peak, a mature hairline and very early androgenetic hair loss can look quite similar in photos. The best thing you can do is take comparison photos every few months in the same lighting, angle and hairstyle. If you are still concerned, a dermatologist can check the area with trichoscopy and look for miniaturization. If there is clear progression, then treatment options and possible side effects can be discussed properly. Protecting your hair is important, but there is no reason to treat a problem that has not actually been confirmed.