First things first: You are paranoid, Toms. You currently have a perfect head of hair and should really determine whether there is any family history of male pattern baldness. If not, f*ckin stop that BS you're pulling. Your hair at your age looks much better than mine did at your age.
Now to the topic: I decided to take the next step from my current regimen (5% minoxidil 1 ml once a day + nizoral 2x a week) and soon go on finasteride. I wanted to avoid this because I don't want to mess with my hormones, but minoxidil isn't holding my male pattern baldness unter control anymore. Though slow, I had recession during the last months and now also crown loss started to kick in. I didn't want to, but there is no other way now for me than to start taking finasteride.
Bottom line for you, though: If you have hair loss as aggressive as mine (NW1 at 17 to NW3.5 at 25, now turning into NW3.5V) minoxidil + nizoral alone doesn't do the job. In your case, however, as your hair loss (if there is any at all) is so minor, minoxidil alone could be enough. Or just no treatment if you have no familiy history of male pattern baldness. Because what you have right now qualifies as a perfect head of hair with significant amounts of paranoia.