My closest friend started losing his hair when he was...well, let's just say that he was twenty-four when I met him, and he had already lost a lot of hair. He was noticeably balding. Now, fourteen years later, he has lost it all.
The last time I saw him, I talked about going off finasteride permanently so that I could donate blood on a regular basis (this was before that horrible blood bank experience), and he said, "Are you sure you want to do that? Think about it before you decide." I asked him to elaborate, and he said that he hates being bald, that it's the worst. I said that I was probably just delaying the inevitable, that there was a chance that my masculinization was being held up (I didn't know for sure back then), and that I needed some way of dealing with my high hematocrit that didn't involve lowering my T dose.
He just repeated what he had already said. And I think he's a good-looking guy, although I have to admit that he looked better when he had some hair.
You seem to have the same horror of baldness, and I believe that you went on the gel so you wouldn't have to deal with a needle phobia, is that right? Is it worth it to you to wait longer for your changes if you don't have to inject and you get to keep your hair? I know that finasteride doesn't work optimally for everyone, so it's not a given that you'll keep your hair, but try to give your process a little longer to work. One guy I know says he took a full year and a half to "pass" consistently, and he was on a "full" dose the whole time. Can you just accept that your initial low dosage and now your method of delivery--and maybe the finasteride, too--have slowed you down or will continue to slow you down? Because of these factors, and because everyone is different anyway, you can't reasonably compare your transition with anybody else's.
It's just going to take longer for you. I know it sucks, but there it is.