Hey, I'm going gray AND bald at 22. Luckily not -seriously- so, and it seems to have leveled off here.
I'd actually like the gray-going to continue, since it's streaking up from my temples and would look cool if that were solid gray. Instead I just look discolored untill people get up close and say: "Holy crap, did you know you're going gray right in here?"
If I get any balder, I'm shaving my head. I'm about 6'8" (9" w/ boots) and have The Evil Goatee, so if I shaved my head I'd go from Slightly Intimidating to Criminal Menace.
--HT