I can't believe the negativity this guy is recieving. Dude, many people here have had dramatic results with finasteride, minoxidil, and Nizoral. You already know this, so get the heck on them!! I would at least trim the hair short. Not everyone looks good with a q-balled head, but triming it short can really make a thin head of hair look better, and I think you might have outgrown the shoulder length hair anyway.
If you're going to start treatment, remember the three P's: Patenice, Pictures, and Proven treatments. If your afriad of finasteride sides, do what I did and start with a low dose and graduate youself upwards. I started with .25 mg and now am on .75 (going to the full 1 this week!). Read the Success thread to keep your hopes up and be positive but also realisitic. You're probably not going to be as lucky as SE-Freak, but I think you'll surprise these haters here if you start now. Good luck with whatever you decide to do, hopefully we'll hear from you in 6 months with a forrest of hair.