Can you advise me on going bald at 18, help me settle this please?

Here's the facts: All normally-masculinized males lose the hair on the temples between age 18 and age 22. You're too young to have developed androgenic alopecia, but your hair loss will correlate eventually with how much chest hair you're naturally blessed with. Ask PhotoGuy -- he's not complaining. Other hair loss (telogen effluvium, alopecia areata) are distinct & call for a dermatology consult.