So, you have gone to a few consultations already? How long have you been losing your hair? How long have you been using finasteride?
The surgeons would seek to fortify the areas where native hair is present but still miniaturized. They would seek to give decent to good coverage (depending on the degree of loss, your age, and how much donor hair you have) but not too much in case you end up losing a lot more hair later on. I guess it is better to be conservative with transplants.
If you have been on finasteride for at least two months then you might not be too susceptible to shock loss. Of course, if the hairs are transplanted into a totally bald area then you wouldn't need to worry about that.
In any event, it really depends on what the doctors say when they look at your hair.