Hey Pavi, I joined in Dec 2015 and as you can see, I posted a ton during the past few weeks because I was so scared.
I'm nowhere near as experienced as some of the posters on this forum but I have done close to 96 hours of research so far. I've read all kinds of articles.
Don't be afraid to take finasteride. I just started recently so I'm in the same boat as you, I was terrified. So far, I have no side effects (though I cut the propecia pills in half so I can start with .5mg to save money and see if it's enough before upping it to 1mg.)
Also want to point out that I first started using rogaine for about a week but then I realized that I can always start that in the future if finasteride isn't working for me, because once you start, you'll have to use it forever and rogaine doesn't attack the root of the problem, it only alleviates. finasteride attacks the root.
My regimen consists of:
.5mg finasteride
regenepure 1% keto shampoo 2-3x a week
mixture of carrier oil/essential oils for hair health
will soon add tricomin spray for my crown and hairline
Daily supplements (incl. fish oil, pumpkin seed oil, and vitamins)
If it doesn't work, I'll be upping my finasteride dosage to 1mg. Then if that doesn't work, I'll be jumping on rogaine/lipogaine. If THAT doesn't work, then I'll look for a stronger topical DHT inhibitors.
PS. I'm not a doctor and I have no medical experience, and all my words are just opinions.