Its hard to say. Are you sure that those thin hairs is something new and its not something you had for a while? Considering ur family history I wouldnt worry too much right now. But with that being said I had the exact same thing going on as you in August at the same age and it definately got worse now to the point where im almost NW2. But my family history is the opposite of urs my dad was NW7 at 20 lol. Honestly if I were you id just keep and eye on it for now and not try any treatments yet. Considering ur family history you will prob never go actually bald.