When I get old and losing my hair...

One of the fears I have while getting older is losing my hair. My dad is bald, and he has been since as long as I can remember. My hair contributes to about 60% of my total looks. Since I am 31 now, I know I will start losing hair eventually. So what do I do? I have many options to try out, since hair loss has been studied for hundreds of years. I don't want to take preventative medicine, like Rogain, because I fear it will somehow make my hair fall out due to some side effect or something, plus it will probably have some sort of smell to it. It's not only I think having a bald spot will make me look less attractive, but also much older. Would I wear a hair piece? I really don't want to, people can pick those out a mile a way and the person who has one just ends up being joked about behind his back. However, I know I would be desperate and try anything. I think I would have to go with the totally shaved look, going with the concept that if I don't have hair on top of my head, I won't have it anywhere on my head. I've been lucky so far, I could have gone bald long ago.