You don’t need to net a “10” to be happy in this life dude. That’s what you’re not getting.
I’m willing to bet a vast number of the guys on here (myself included) have not and would not be banging 10’s every week with a full head of NW2.
That’s not an insult, that’s just the way life goes.
Find someone you love being around. That is what’s important.
The issue is that being significantly bald will write you off to a majority of women, even those who have no business having high standards. Difference is women can get away with it though because things that are unattractive conventionally (like being fat) are fetishized on women. Women have their pick of men, not the other way around.
Especially as a young guy, at optimum child producing age. You do not want to try and bank on finding a mate when you're like 40, and there's an entire list of reasons why this is a bad idea.
The whole, "don't worry about it because personality and stuff" is straight up cope and causes a lot of guys who'd be much more attractive, and have much more success with women, to make stupid decisions about their appearance (like doing nothing about hairloss) and then denying its obvious role in their failure.
Every man is capable of understanding the female affinity for aesthetics: Women dominate interior decorating, makeup, fashion, hair, etc. industries and female opinion is trusted on all things beautiful — but strangely, whenever some bald fat guy with bad skin wants in some 22-year-old with big tits, perfect hair, expensive clothes and full makeup on an already 10/10 face's pants, it's "chicks are different, they don't care about looks bruh!"
The worst fear that men have is that women judge them in the same way they judge women.