Thanks for the replies gents.
I must say, I'm generally prone to side effects from meds it seems. I'm not sure what the actual rate is, but I can say that I am certainly one of the few that has side effects that never entirely went away. I to date dont have my natural morning erections and I definitely dont have the entire sensation back. My blood work is normal, and fortunately, I have no issues anymore (it took years to get better) with having sex. Very very occasionally will I have an issue, but not to the extent that it bothers me. I'm married recently, and I'm happy. I haven't been worrying about my hair for years, but seeing it gradually thinning further, I've been debating trying to get something that can at least maintain or prolong my hairless. I use nothing for my hair, and use Head and shoulders, which has been the only shampoo that has helped stop my mild dandruff.
Fin took only a few weeks to make my hair look perfect, worked like a charm, but to me its not worth losing my sex drive. The last time I buzzed my head was 2 years ago, and when it's very short, no-one can really tell I'm balding as I dont have bald spots. I have a full beard and a good shape on my head, which definitely helps the overall look.
Minoxidil I've avoided because I've read of the dark circles it can cause. I naturally have a bit of dark circles, and I made the decision to avoid that as well. I really dont want to correct my hair (potentially temporarily), only to have dark circles stick around forever.
I have to say. I can't be sure that had I not used FIN, would I have already been bald now? I have no clue. But going by the fact that my hair started thinning out heavily at a very early age, even I am sometimes surprised I still have an almost full head (albeit thin) of hair 10 years later.