The official % of side affects is bullshit , I don't think that's in doubt.
There's a huge % who get sides, some more severe than others. Others won't even recognise their sides.
It all comes down to personal educated decision. I he isolated loss in one region which I've treated with a ht. I do not need fin at this stage (am mid 30s).
It did not give any regrowth but maintained a bit of crappy hair in front which was going anyway.
You should look at your loss pattern , age , current minturisation etc before deciding. I would not go near the stuff again. I would look at another milder DHT blocker like 5 alpha kertane which people are reporting no side effects with.