I think you said it well, everyone will chemically and mentally tolerate the decline differently. I started almost a year and half a go, when i first started, I had no sides until month three, month three I experienced breast tenderness, painful erection and watery semen, all of these sides went away at about month five. Weird thing is, I just recently got off finasteride and all of those same sides came back for about a week or two when i stopped, and I also broke out with acne very bad on my forehead which hadn't happened since I started finasteride. Bottom line is, altering androgens are going to effect some people adversely, its ignorant and naive to say that it can't or won't.