Thank you. I agree that basing this important decision on geo and price is not the best approach.
However, in a world with tradeoffs and obligations (employment, family, limited $$$) I'm trying to optimize for what I can i.e. getting the best what I can under my budget. Would love to spend $30k and go to the best surgeon in the world but I don't have that kind of dough for this (nor time off), unfortunately.
Agreed on the finasteride point as well - I'm probably worried in excess about the side effects.