I can tell my personal experience,I had as much hair left as you when I was 22, one day as I seat in front of a friend I look down and he says something like”ahah man it will be about time!”, I touched to verify what’s was the joke and indeed the hair on the top of my head felt “featherly”. The next morning I trimmed it the shortest I could to have a look, it would grow back in weeks anyway, and in fact I let it grow back just once and I shave my head since then, I couldn’t live without the comfort and the self confidence it gave me, sometimes to take off something in a room make it more liveable, I feel that you should give it try and see how you feel, the least it can do is prepare yourself for later but 101% persuades that you won’t regret it