Actually, I believe topical dutasteride and oral minoxidil is the best route.
Topical dutasteride has a negligible effect on serum DHT.
Low dose oral minoxidil is safe, anyone saying otherwise isn’t looking at the data. In a 2021 study consisting of 1,404 participants, only 1.3% suffered from tachycardia. The most common side effect was hypertrichosis (unwanted hair growth). https://www.sciencedirect.com/science/article/abs/pii/S0190962221004187