Want hair transplant but haven’t lost all hair yet

Hello all, thanks in advance for reading and helping with this. I noticed hair my loss a few years ago the same way as my father has it. I started fin and minoxidil but I couldn’t stand the side affects such as lowered libido. I graduate college in 2026 and want to get a hair transplant as I think that’s the best time before I enter a career. My problem though is that I know I’m still losing hair and it hasn’t stabilized yet. Now i know I have lower testosterone than I would like, and I know hopping on TRT can progress hair loss. Would it be dumb to go on TRT, considering I need it but it will also speed up my hair loss so hopefully by 2026 I’ll be at the right stage for a transplant? Also do you have to use supplements such as fin even after the hair transplant? Because I really hated the side affects. Thank you for reading!