You can shave it off and be proud, comb it over and look like an idiot or save your pennies for a decent transplant. If you're not that far along have the barber buzz it to a mm or less. Any topical or internal treatment as you note has side effects worse than the "problem." I would not even put it in the top ten things I would change about myself. In ten years the majority of men your age will be in the same boat anyway and you'll be more worried about keeping hair from growing where you don't want it.
I don't buy the imbalance theory, it seems to grow fine everywhere else but the top.
T is right, now that my chest is bigger than my waist women think it's attractive, before not so much.
Last edited by IvyBlue; 02-05-2012 at 11:31 AM.
Reason: saw above
Wheat is the new tobacco. Spread the word.