Since your dad isn't bald I don't think its likely you will go bald on T. What might happen is that your hair gets thinner as in thinner volume, not thinner as in bald spots. Women usually have thicker hair than men.
Now, to you guys who are bald, I will give you a tip as a hairdresser. If you're bald on top and just have that hideous fringe, shave it all off! I can't even tell you how hideous that fringe looks! Its just awful! I had a client who was bald on top and had that awful fringe. He reminded me of Larry from the 3 stooges. Every time I cut his hair I thought how butt ugly it looked. I suggested he let me just buzz all of it. Finally he did. He looked 110% better! He actually looked kind of cute. Trust me, totally bald looks way better than that fringe! And if you have an obvious comb over just know you're not fooling anyone. Every time you go out in the wind that comb over is lifting up and down and pretty much waving at everyone saying " hey look, Im bald!". Don't do it!