I know a guy in his 40s who has spoken about finastride with his doctor, and the doctor refused to give him prescription for it. It seems like finasteride has a bad reputation in the UK???
Anyway, I'm one of those that tried finasteride and had "mild" side effects, so I decided that it wasn't worth it and I stopped taking it.
Realistically, if you want to keep your hair, finasteride is your only friend. You do have aggresive male pattern baldness. At least give finasteride a try and see if it works for you.
I also agree with the previous comments, hair transplant is not for you. You view hair transplant as a quick fix, but it isn't. It's expensive, time consuming, and it takes a long time for the transplanted hair to grow. It's not as quick as you think it is.
You should still have a consultation with an hair transplant specialist and find out all the details for yourself. At least you'll know what your options are.