Although Dr. Cole's current work is, by far, the most natural I've seen on the web
You basically answered your own question, I don't see any risk in having a small FIT session in your age and in your degree of hair loss. It is always good to wait tho...
Me personally could have waited and probably live comfortably with my hair loss another 10 years, but now when i see the outcome of my procedure i don't feel any regret at all. it actually increases my anger for more work.
It is basically up to you and how you feel about your hair loss, it will never hurt to wait a couple of years... but if you want to take action then this is the time since FIT provides excellent results with no visible scarring and if you don't like it you can always just shave your head and move on.