Women have been warned against propecia/finasteride especially if you are of child bearing age and would like to have children. However, there are treatments that are specifically for women hair loss like minoxidil.
Honestly, most women would prefer to have a bald man rather than a limp one in their bed. Losing your libido will affect you more that losing your hair, I believe.
You are the best judge of your own stress level. But sometimes we have issues that we have tried to ignore that may be causing stress. However, if you definitely do not feel stressed it should be something else causing your hair loss. Have you ever asked the specialists this question?