IIRC, it's a lot like baldness, in that most of that is inherited on your mother's side of the gene pool. I know my facial hair isn't quite as dense or wiry as what's on my father's side of things (and I can't wait to laser it all off). Mostly, for me, it was upper lip and sideburns. I never really did fill out in the chin area. My son is at that age where he's beginning to grow it in, and it's interesting to see how it goes.