I understand that you worry about the side effects of Finasteride. However, it is a very slim chance that you will develop such side effects. I have nothing. Zilch side effects, besides more dense hair. :-)
And yes, I take 1.25 mg per day (I cut one 5 mg Proscar pill into four pieces).
If you are already thinning, I strongly suggest you try Finasteride. Your HT will only be a very short-term success (maybe 5 years). Why not give yourself long-term chances for hair, possibly with only a single HT?