Hi really feel for you. I am not (was not) in your situation, so I can only understand to a point.
I know that sometimes we fear things that seem so unbelievable, until we actually pass through them. Also, sometimes, we have to experience something that puts our other fears in great proportion.
About two years ago I lost my parter of almost 12 years, and it was both sudden, and unexpected. For quite a while I tried to not let my tragedy change my life, but in time realized that it was killing me. Once I realized that life was changed for me, permanently, forever, it gave me the clarity to realize what I needed to put into perspective.
I stopped letting the small things that were so important to me go, and started looking at the bigger picture. The things that I was holding on to that were keeping me from having a good and happy life.
No, you don't need to experience a tragedy in order to come to that realization. Good therapy can be very helpful in getting over your fear/obsession about your hair or losing it.
Once you finally rid yourself of your hair, and all of the baggage that it carriers with it, you will feel such a weight lifted off of your shoulders.
I wish you the best of luck.