Just read all of this.
Have you tried shorter haircuts? My hair is at a very similar point to yours(same age too)and I used to have the same hairstyle. It was honestly the most annoying thing ever to try and comb it over and hide the recession, constantly “fix” it etc. Keep in mind I had this hairstyle since like 14yrs old.
2 months in finasteride, I went shorter. 2 on the sides and about 2/3 inches on top. Best decision I made in my life, its still a “combover” but like a classy one you’d see in the work office. Yea you could see the recession on one side but it looks normal. Can’t stress enough how good of a decision it was.