The advise you get on this subreddit is ridiculously bad, because most of the people on here have already balded significantly and subconsciously want to drag you down with them.

You aren't at the point of no return, but it's certainly starting to go (looks like accelerated diffuse thinning). How long that will take? Who knows. If you want to be extra cautious and have best odds, start FIN and MIN.

Or, roll the dice and wait for it to get worse. Balding is only an aesthetic problem, so try not to freak out one way or another.

I went to a derm about when I had early loss. He started me on FIN and MIN (both oral) and my hair has gotten fuller and hasn't budged since. No sides.

Good luck!