Is this a normal healthy hairline and just a normal cowlick? (Photos)

There is no "normal" hairline.  Everyone has a unique hairline and some even have cowlicks.  If you feel you are losing hair, see a doctor for an examination.

Hi and thanks for your photos and question.  Your hairline and cowlick and history of losing 20-30 hairs after a couple of days of not showering are all perfectly normal.  I think that your hair is doing very well and I don't see any need for intervention.

The mature hairline is found one finger breadth above the highest crease. With the presence of a widows peak and the distance that you measured above the highest crease, I believe that you have a maturing hairline.