What is the best solution to my hair loss?

I have been pondering what to do about my hair loss for a while now. Within probably the last year to year and a half I have noticed thinning of my hair in the front part of my head behind my hair line. It is most prominent in the front, but seems to be slowly thinning as you move toward the back of my head. My hairline isnt receeding, and my dad doesnt have much hair loss at 60 and i really dont know of anyone in my family with hair loss. I am 23 and have went to a dermatologist. I believe she prescribed a drug propecia, whatever drug that has a side effect of temporary impetency in some, and rogaine. I am quite apprehensive on doing either and i really dont know what to do. Both i hear you have to take for the rest of your life, and if you stop at all, the results stop. The hair loss isnt that noticable to others yet, and i want to act now and stop this while i can. My hair cutter said i have had a spot there for some years now, but i never noticed it. Any help would be great.