Should I get a hair transplant soon since I'm norwood 3 at age 20? (Photo)

I'm 20 years old and I've had enough of my hair loss I'm still losing hair and its got me really stressed out. I'm a clear Norwood 3 and I'd love to get a hair transplant I know I'm young but its unfair to wait such a long time. I know I will continue to lose hair my family history is around a Norwood 5-6 but going on finasteride isn't worth it for me due to the side effects. What do you think I should do?