I'm 34 and still doing ok in that department, but I do think I may have receded a little. Just not sure when it started or how slow it is progressing so I'm not too worried yet, I think/hope it's just a mature hairline. It only really dawned on me a few years ago that I'm getting old and hitting the age where I could very well start losing my hair though so been taking it less for granted and also keeping track of it better mostly for my own reassurance. Decided to grow it out and enjoy it while I still can.
I don't really want to have to rely on any kind of medication or product for the rest of my life, so if I do start to lose it I don't think I will do finasterade or rogaine or anything, but I would maybe consider a transplant when that time comes. Chances are though what I would do is go back to short hair once keeping it long just makes no more sense, and save up for a transplant, and also use that time to gauge how bad the baldness is going to get. Transplant only makes sense if there is enough donor area. If you lose like 90% of your hair then transplant won't really do well. By the time I'd have the money saved up I would then decide if I still want to follow through in first place. Maybe at that point I'd just be used to my look and stick with it. I don't know if I'd want to shave bald though, while I do think I have the head for it and could look good with a big epic red beard, it's just so much upkeep to be completely bald. It's why I have a beard in first place, it's less work.