A transplant isn't any more a hat than having natural untransplanted hair is like wearing a hat. A hair piece could be argued to be something akin to a pricey hat, but a transplant is naturally growing hair that has simply been moved from a donor area.
It only works for some people. You need to have a good donor area and a lot of hair. And even then transplant can be rejected. Doesn't work for majority of bald people in their 30s/40s.
You are also most likely going to stay on Minoxidil and Finasteride just to stay safe and not lose your "investment". A botched hair transplant can look pretty terrible once you lose the original hair around it.
