Without a picture it's hard to judge. But mpb hits some guys really early, I had to classmates in law school who were absolutely, profoundly bald when we started, that's about 21. It's the luck of the draw.
If you've buzzed it and YOU are okay with it, try that for a while. If it's really going fast, and it can, you may quickly just have a fringe anyway. From what you've described, at some point near or far out, you're going to be bald. It's how you're bald that will affect your confidence, embrace it, get ahead of it, and put the worry behind you. By shaving you effectively hide mpb in plain sight. We think you'll like it--it may take an adjustment period to the "new dude in the mirror" but that will pass. Just be thankful you live at a time that it's not only acceptable to be shaved bald, it's also cool, popular and widely accepted. But remember what we all say, this is about you, and no one else, just you.