Firstly, I am not a doctor and my comments are therefor only those of a layperson, though a father of 23 and 18 year old boys.
Secondly, it is obvious that your symptoms are a great concern to you, so I would suggest that things happen (or fail to) and you should not worry.
You seem to rely on lack of facial hair growth and lack of baldness. The latter is a consequence of inheritance from your mother, if her brothers have a full head of hair, then you are following the genetic trait. If they are bald, then rejoice that you are bucking that trend.
Facial hair is not symptomatic of manhood, of greater concern is reproductive capacity. If you have erections, then everything is probably ok. If not, there may be a problem, which can most probably be easily treated (though not with creams) and you would need to consult with your doctor and discuss all the facts. Facial hair is not a babe magnet, and if you have a good personality you should have no difficulty in finding a nice girl. Wishing you luck,
Paul