I don't mind the grey hair, been going grey since I was 17, started losing it this year though (non male-pattern) just waiting for the blood test results to come back, so fingers crossed
My hair started going when I was 29, luckily it was about the same time my eyebrows started growing like mad and I can now comb them upwards in some kind of eyebrow combover
My mate started losing his hair at 19 after his dad had told him on his 18th birthday, don't worry son the men in the family don't start losing their hair until the their mid 30's... He wasn't best pleased!
I've got a full head of hair and two or three grey hairs now. Luckily I'm 41 so I'm now so old that it doesn't really matter as my life is, effectively, over. In fact it'd be better if it all fell out; that would save me spending my meagre pension on haircuts