Many members already answered some of your questions. I would like to add my input regarding medication. I would wait at least a year of using Proscar before going for HT, to see the effects on you. I have seen some dramatic results, whereby, the patient no longer needs to go the HT anymore. Side effects on Proscar/Propecia is overrated and occur only on about 2% of patients according the Merck study. Many people who have side effects with Proscar is, in my humble opinion, purely psychological. Try it, in any case, if you have problems, just stop taking it.
As for Rogaine: it is one thing to use a product that rarely produces, if any, results. It is another to use it and on top of that, it gives you scalp irritation to that extent. Therefore, stop it immediately!