notsosure,
I'd like to chime in also as one who has been taking finasteride for the past 14 months. I consider the side effects that I've experienced to be minor. While I've seen a decline in what I like to call "unsolicited" erections, I've got no loss of sexual desire and everything works just like it should, when it should. The only other noticeable side effect that I've experienced is watery semen. I don't know if it's affected my sperm count but, since I don't plan to have kids, I'm not really worried about that. I consider this collateral damage and I plan to keep taking the drug since I believe it has helped.
Like you, I was concerned about the possible side effects of the drug before having my first HT. Afterward, I decided that the investment was too great not to take advantage of every weapon in the arsenal. Like Tsakalos said, whether or not you will need it depends on many factors but, for most of us, hair loss will progress.
If the pill works for you and slows your hair loss, stopping the medication ofter a period of time will most likely result in the loss of any hairs retained by the drug during that time. Like Bill, I also do not want to find out by experience.
You've really got nothing to lose by trying it. I've read many of the same horror stories you have but most people seem to agree that very few patients will experience any negative side effects and stopping the medication will reverse them.
I'm not a doctor. This is just my experience so take it for what it's worth. Hope it helps.
TTP