Polar Bear's harsh take on this: you might as well do nothing at all then.
The full baldness negates all your improvements.
'You are as good as your worst feature' theory.
If I didn't have my 2000 grafts to cover and frame my face, I wouldn't even bother with trying to improve my body for example.
As
@shookwun said, a muscular body will halo the f*** out of your other 'good' features (height, nice face, hair).
If you're not ready to pay for a hair transplant, you don't really want to look your best, so I don't see the point of trying to improve your body or your clothes.