I was willing to put up with whatever I got from T, but I knew that I would be less happy with some changes than with others. I also suspected that I might take a little while to get used to some of the changes that I found less attractive. I told myself that I could quit at any time (I was still trying to find ways to keep my relationship intact), but I couldn't see myself stopping just because I wasn't fully happy with some of the masculinity markers, such as thinning hair (or actual baldness), back hair, or lots of body hair generally. I also knew that if I did start getting unbearably hairy, I could always shave or wax (although I couldn't see myself doing that). I knew that, as a late transitioner, I was pretty likely to lose a lot of hair. I also knew that if I started to bald, I had options, like Rogaine or finasteride.
So when my hair did start thinning noticeably and I couldn't tell whether I was actually balding, I talked to my doc about finasteride and told him that I wasn't ready to deal with balding right now. Balding sounds trivial next to all of the really big traumatic events in my life at that moment, but I just didn't need anything more on my plate, and the balding was something I might be able to control. I knew that I needed time to get used to the idea, although I wasn't positive that I would.
After a couple of years on finasteride, I have stopped. Now I am willing to see what happens to my hair, and I WANT the body hair to come in faster. I just needed an acclimation period, that's all.
I have run into a couple of younger transitioners who were all bravado before T and early on--"Who cares if my hair starts falling out!" I suppose they figured that they weren't likely to start balding in their twenties or early thirties. Sure enough, they didn't start to bald right away. But they did start balding sometime later. Then it was panic city. I'm not sure what these guys did about it because I lost track of them. But it does seem like a good idea to point out that some guys who transition relatively young might have a sudden change of attitude if they don't start balding until later. They think they're "safe," but it turns out that they aren't. Just be expecting that.