Should I start TRT??

Almost exactly a year ago (@24 years old), for a ton of reasons, I got interested in TRT. Got blood work done, very low. Total T: 186ng/dL Free T: 6 ng/dL. However, I was very overweight and not active. I’ve since lost weight and exercise everyday but am interested in TRT again. From what I’ve read on this sub and elsewhere, it could help me in so many ways but I’m just so worried about it for different side effect based reasons (especially the hair loss) that I’ve been going back and forth again since I brought it back up to my doctor whether I’ll start it or not. Do I need to be this stressed out about it?

-It would be the shot, not topical

-My dad started thinning at the top to the back in his mid/late 40s, it didn’t progress crazy fast but we could still tell it was starting to thin some