Well, I think most of your questions at the bottom can only be answered through some soul searching, as they pertain to you and you alone. Whether T is worth it or not is entirely dependent on you. As for family, I understand not wanting to be ostracised, but is it really worth it if you are avoiding transition so you can be around people that hate what you are, and people like you? My family and I dropped my transphobic grandfather like a rock when he showed his true colours, and it's made our lives a heck of a lot less stressful, that's for sure. Nasty relatives just aren't worth the pain they cause, usually. However, if you really want to keep up with the family, maybe you could take your transition as a chance to educate your family; it might be worth a shot, right?
Also T is not guaranteed to make you go bald. Many men here have full heads of hair, in fact I'd say the majority do. As you age, you may develop male-pattern baldness, but that's just life, right? We can't all look twenty forever.
Whatever path you take to transition, I hope you'll keep your mental and emotional needs in mind above those of people who might not ever be supportive of you. Look out for yourself.
