I won't speak to your primary issue...but maybe the first "risk" you should take is getting hair plugs. Seriously. A friend of mine did that and the transformation in his appearance was night and day. If I ever start to lose my hair, i'm 100% doing that. It's not crazy expensive, and the results are incredible. I think a lot of men are for one reason or another shamed into not doing things like this, but I think that's silly. It's completely worth it. Let this be your first venture into unknown territory, and then maybe you'll gain some confidence to start taking risks in other areas.