I'm more than double your age and had about the same BF%. I'm way more at risk (theoretically) for sides, yet I had ZERO. Not counting 'Mag10 Legacy' from '04 or so, 1/4 DHEA was also my first "educated" cycle. So, since you're an adult, I'd say go for it.
If you aren't already losing hair, I don't think the 4-AD is going to do it. It's not like it would all go at once any way...just check your shower drain
You can also look at things like Saw Palmetto, Stinging Nettle, and Pumpkin-Seed Oil if your that worried.
I would definitely do 4-AD with the 1-Andro. I felt great with a Test Base. Get the SERM and some Aromasin. I never needed the Aromasin, but it's wise to have it on hand, just in case. Other than Clomid, for these compounds, I stuck with OTC Estrogen and Cortisol control in PCT. I did 6 weeks of Clomid/8 weeks OTC AI (2 weeks past SERM). I probably went over-kill, but better safe than sorry without bloodwork. I used Reduce-XT and Inhibit-E, so it was pretty affordable.