I had my HT about 7 months ago and went on 1mg Finasteride at my Docs recommendation. At first I thought the side effects were just my imagination, and I wanted the hair more that a few extra jollies anyway. After 4-5 months I could no longer deny the effects as you described. Lower libido, decreases and watery semen, and less enjoyment. I stopped taking it about a month ago and do sense those things coming back, not fully yet, but definitely improved. I agree that everyone needs to weigh what's most important to them, but don't kid yourself into thinking there are no side effects.