I definitely agree, hair is nothing if you don't have heart health so I'm not suggesting sacrificing one for the other, I'm just saying see if there is any real worry before writing it off. If there is then you know, but if your cardiologist clears it then that's a bonus. Dutasteride is significantly stronger than fin but with strength come sides, fin is relatively side free for the overwhelming majority of the population but with dutasteride you're also getting type 1 dht inhibition and while there is a model for complete inhibition of type 2 dht there isn't a model for what happens when you inhibit significant amounts of type 1 so I suggest what is safer and known...I have just started dutasteride myself, but at a dose where it inhibits more than fin but doesn't shut down my type 1, sort of a best of both worlds approach but given that you haven't tried fin, you may find it does a great job on it's own and don't need stronger. Guys have used fin going on 15 years no issue and seen limited regression in their hair so no need for the flame thrower if a lighter will work lol. In the end it is your choice... if your cardiologist clears it and you still don't want to use fin then that is your prerogative. you can stick to just transplants. Ethically a doc can't remove hairs so he can only plug up what's lost, so your crown no doc would even touch right now, and the front a few of the unethical might but the top docs would tell you to wait so lets say in a couple years your hairline opens up enough that a doc will do it, your crown may still be early stages of opening up, or maybe it'll be a small hole but there is further progression coming in the crown which means you can't operate cause you'll end up with a halo effect as it does open further... you're going to probably have to do the surgeries in stages, hence why I said you won't be a one and done...and as hair loss is progressive unless you wait until your progression hits absolute rock bottom, natives will keep falling out and new loss will emerge, leading to more potential surgeries...as for the time frame between surgeries, that all depends on your rate of loss. I hate to keep harping on meds but that is the upside, you're on meds you get your hairline done next year it may be 5-10 years + before you need to do anything to your mid scalp or crown or it could be a year later you'll need to do midscalp if it falls quickly and then you might have to do crown some time shortly after that. It is also possible that you may need to have a 2nd surgery on a spot you've already had done as loss in that area gets worse or if you want to increase density, you'd be surprised at how often 2nd passes happen, very common. You are right that you will end up in the same spot regardless its the time in between that meds buy you.
As for being 3v vs 4, in a 3v you traditionally have temple regression and have a noticeable V shape developed (how wide a v varies)...but the hair stays stronger inside the V and you are losing in the top part of the V, it's early but eventually as that continues to thin you'll be left with an island tuft in the front and loss around it which is more of a 4/5 progression pattern. You see it more in the pushed up hair style than the flat. Irregardless of whether you want to call it a 3v today or an early 4 today, the progression is headed towards a 5.