If you trust the east coast surgeon, then maybe not do the transplants and let him do them later on. I believe Facialteam FT can do the surgery without cutting too much of a strip of hair that gets thrown away, although it is preferrable to remove some scalp skin to remove the excess caused by bone reduction - and then the hair on that strip go to the bin, which is regrettable.
But consider a number of things - first is, FT do not only have one incision site they always use. If you are concerned about the incision being too high up on the head, they can put it further back. Actually when someone has signs of MPB at the top of the head or is factually thinning there or even bald, they will by default move the incision to the back of the head. So you can just demand that.
The other is, there is no real good reason for the hair from the top of the head to fall out after some time for no reason. Yes of course, they are in the zone that is most prone to hair loss, so those follicles would probably among the first to go if you ever develop hair loss for any reason - be that aborting HRT and return of the tesotsterone/DHT dominated hormone system causing MPB, be that from some sickness that makes you get MPB or even some forms of female type hair loss that thins out mostly at the crown. But honestly you will want to avoid getting into such a situation anyways as what good is it to have your hairline transplants be all good, while you develop a circular hair loss at the crown? I think at that stage you have other problems than additional thinning at the temples.
Personally, I chose to get the transplants done, I did not want them to go to waste and also did not want to get a second scar for transplants elsewhere - or shave my head to get FUE later. I am rather confident they will not fall out, I am post-GRS, testosterone and DHT are low, maybe rather too low actually, so I dont fear MPB much at this stage, even if I had to reduce estradiol.
So I guess as you seem to be very much impressed by that other surgeons opinion, the best choice would be to request FT to do the incision at the back of the head as they do with MPB patients even if you have no loss at the crown, or skip the transplants at this stage, ask FT to minimize the size of the skin strip they have to take out and get it done later - probably you can even save some money if you go to some places.