DON"T DO SURGERY!!
Going the transplant way means spending lots and lots of money and having to to do the procedure every couple of years as you start losing more and more hair. You may not have enough donor hair in the future to help you later on when you continue to lose more hair on top and you won't be able to shave your head because it'll be covered with scars, you'll look like Frankenstein. Sometimes the transplanted hair doesn't take root and you'll end up with patches. Not to mention some doctors can just butcher you and you'll end up more miserable then when you started.
Something the web sites don't tell you is hair transplant doctors prescribe Propecia and Rogaine after the procedure to help save what you have so why not just try those two drugs from the get go and see how well your body responds to them? Some guys have amazing results with both drugs while others just get the side effects which can include impotence and gyno. Really do your research before you make a decision and like someone already mentioned, finding out your balding is a bow to the gut at first but over time you get use to it and eventually might just foeget about it all together. You might even look decent with a shaved head.
Concentrate on the things you can change like your attitude and body, I know a few guys that are bald and are pimps, They have no problems picking up good looking women because they have confidence and can talk. Remember there's lots of guys that seem like they have everything going for them, looks, hair, money, etc.. but couldn't get laid if their life depended on it cause they lack confidence and social skills. Also remember someone else always has it worse, no arms, skin probelms, born disfigured, it puts everything into perspective.