I think you are getting confused with baby hairs. Baby hairs are small hairs that are sometimes present within the first centimetre or so of the hairline. Basically they only grow to a certain length for whatever reason, they are very apparent on women with long hair. Then there is miniaturised hair, which is hair that has had its diameter thinned due to DHT, in other words, male pattern baldness.
I am sorry to say but yes you are receding and for your age it is quite aggressive. It is quite interesting because we can see from your hairline just how aggressive hairloss is in some people, the entire first cm of ur hairline is miniaturising and it is happening fast, giving the appearance of baby hairs all around it. It is obvious however from the recession that they are not really baby hairs, they are miniaturised hairs which are destined to fall out soon for good.
If you do not get on finasteride you will probably be very bald by the time you are 21. My reasoning for this is, it is common for guys around your age to experience miniaturisation at the corners of the hairline whilst their frontal part stays strong. In your case the miniaturisation is present all the way up to the middle of your hairline and that is not a good sign.