I started using Rogaine (generic versions) when I was around 25. I’m 40 now. It slowed my hair loss considerably and I have a pretty good head of hair still. My dad was completely done by 35.
I recently added Finasteride to the mix and I’m comfortable with the results.
Some people will tell you to embrace it and that’s ok too. I just didn’t want to if I didn’t have to.
I started thinning rapidly in my early 20s which prompted me to act. Within a few months the thinning stopped and in the back I’ve been about the same since. Front started thinning a few years ago which prompted the finasteride and that seems to be slowing it.
I don’t know for sure, you’re right, but I also see no incentive to prove my experience wrong since the risk isn’t worth it, to me.