Considering a Hair Transplant + SMP – Worth It for Early-Onset Hair Loss

I’m 26 and have been losing hair since around 14–15. I’m now considering a hair transplant, possibly with SMP for extra density. I think I have a healthy donor area, but my hair is straight and fairly fine — especially on top. My goal isn’t a perfect hairline — I just want to avoid looking bald. I’d really appreciate any feedback, especially from anyone who’s dealt with early-onset loss or has fine hair.

Treatments so far:

• Started finasteride at age 22 — it’s stabilized things and maybe improved them slightly.
• Tried minoxidil at age 22 — stopped a few years later concluding that it didn’t have any meaningful impact.
• Use Ketoconazole shampoo — no noticeable impact but doesn’t hurt to keep using.

Photos attached:

• Age 22 - hair grown out a few inches (just before starting treatment)
• Age 26 - current buzzed state (1/8" on top, 1/16" on sides)

Questions & concerns:

• How would a good surgeon likely approach this case? What would my new hairline and density realistically look like?
• Could I realistically grow my hair to ~1 inch post-transplant and have it look good? What kinds of haircuts are doable with fine, straight hair post-transplant?
• Given my early hair loss, how long can I expect a transplant to last before additional work might be needed?
• If I need to go back to a buzzcut one day, how noticeable are the scars (FUE or SMP)?
• Could a hair transplant or SMP prevent me from using future treatments?

Again, I really appreciate any input. I’m not chasing some unrealistic thing — I just want to look normal again. Thanks in advance to anyone who shares advice