Fin has higher side effects than Merck lead you to believe. For many the side effects are short lasting and tantamount to adjusting your body to the drug, but for some the side effects can be quite damaging. If you look online you will find people that suffered from androgen sensitivity, but it is rare.
You have to bear in mind that some people do overplay the side effects as well and blame fin for everything.
We are all different and our bodies react differently to the same stimuli. For the majority of people who get side effects that don't go away when taking the drug, ceasing to take the drug will bring you back to normal.
I've been on fin for 7 years and everything is fine, you just have to suck it and see. I got minor side effects when I first took it such as nut ache and watery jizz, but after 3 weeks I was back to normal.