Yay or Nay 21

I already know I will be bald, want to know if it's noticeable right now to others. Both sides of my family are balding and suffer from hair loss and I'm already noticing some changes in even just a year. I think the beard growth is good tho for a few months and will be better as I lose weight.

Not interested in using fin or min, not too attached to the hair if it gets worse I'll just cut it all off. Any advice?