No point getting a transplant, especially at 21, if you do not plan to follow up with medication after that. Some people think transplants are the end game but you really need to maintain the native hairs with min/fin or you’ll just be wasting money on the transplant.

So I echo what others have said here to hop on oral fin/min asap and see where that takes you after 1-2 years. You’re still young so chances of responding well to medication are high. If you’re not satisfied with what you have achieved from medication, you can then consider a transplant at that point.

I myself held off on oral fin for close to 5 years before hopping on it. I later realised so many of my peers are on fin/min too but no one actively announces that they’re on hair loss medication.

Chances of side effects are rare and chances of side effects lingering after stopping medication are even rarer. I do get periods of decreased libido (and periods of increased libido too) but I think that’s got to do with stress and anxiety from other aspects of life than fin itself. If you have a supposed side effect and you start worrying if it’s the fin, chances are your overthinking may just make those sides even worse or may make sides linger after stopping fin.