Clip it short and move on with your life. Unless, of course, you have an oddly shaped head, then maybe you want to keep that dome covered. This is coming from a person who's been bald since he was about 21 years old. People seem to respect a bald man who accepts the fact that he's bald.
I'd try minoxidil (rogaine) and finasteride before I'd try surgery. It just makes sense, especially because finasteride can even reverse the process.
Embrace the hair loss and own it. Either buzz what you have short or shave it. The usually ineffective attempts to hide it are far worse than the hair loss itself in my opinion.