I have used DHT for almost two years without going bald or experiencing hair loss yet. Results will be different for different people and only time will tell of course, just adding my experience here.
I primarily used it and got some very amazing results, hardly pumping at all. Honestly, it's easier for me to apply a bit of cream once or twice a day than to dedicate time to pumping when I am just often busy, tired, or in a mood where I don't feel like it whatsoever. When I didn't have a job I did that regularly but otherwise pumping is the exception rather than the rule.
If you're going to be doing both, you may want to go ahead and pump immediately before applying the DHT because there will be more bloodflow to the area and it will be primed for growth for this reason, similar to a workout.