Hugs to you from me, too. I also have the "dime" ponytail.
Thyroid issue in my case (autoimmune).
I have one niece that's totally bald (alopecia universalis), and when my hair started thinning some years ago, i was so worried I'd end up hairless.
So, I'm grateful from every strand that stays put!
Go for volume to disguise the thinning. Very defined curls/clumps just makes the thinness look more obvious.
And I hope the Rogaine works for you. I have not gone that route yet (still early in using the biotin internally and MSM/rosemary/sage on scalp).