No it is not! That's exactly the point that I'm making. You can live pretty comfortably all the way to NW4 + fibres. I'm bald and I can tell you that the psychological toll is significant but nothing in comparison to the actual day to day life as a bald guy. A guy with hair and psychological issues has troubles. But imagine a guy who is doing everything he can in life, working as hard as he knows how, being as positive and open minded as he can, but still can't get ahead because he is a bald. That's the real loser.