At what point do I go fully bald and how do I accept my reality.

I've been losing hair since 15, I'm now 19. It was a mix of genetics,high testosterone and too much stress for a kid. I'm very noticeably balding,not sure if a pic is necessary or not but at what point do I just say " I'm bald for the rest of my life ". I got a buzz cut 2 years ago and it felt pretty good not having to worry where my bald spots and hairline patches were showing but my mom is heavily against it and wants me to get like a mix of a comb over and a fade which looks good on me but it looks noticeably worse everytime I do it because I'm obviously going to be more balding as time goes on. My hair is my biggest insecurity and I hope this community can lift me up because I wasted my last 2 years of highschool worrying about my hair and I regret not living my life to the fullest. Also my friends have made it a very common joke and I haven't once made it look like I find it funny,I've always tried to dismiss it or ignore it but they just keep going. I have a fairly strong face although gained some weight. I'm decently build and about 98kg bodyweight right now ( almost 225lbs)