Her.
The risk of it coming back when removing the glands is next to zero. Sure, you would need a good doctor to make it look perfect, but it's overall an easy procedure, very safe, and you quickly recover. It's definitely one of the cheapest and easiest "beauty surgeries" that you can get and most results look more than acceptable. They now have procedures where they don't even have to cut around the areola.
Besides, I really don't believe Finasteride will give you huge manboobs. It may induce some light gyno but a lot of guys have that anyway. If you get real buff, most people will see that they could benefit from that surgery to really make their chest, no pun intended, stand out. Guys who indeed have manboobs suffer from huge hormonal imbalances and finasteride will not do that.
For me it is a choice: I know that transplants will cost way more and achieve a far worse result than maintaining the hair I have on finasteride with a small side of gyno and perhaps surgery down the line.
If you really, and I mean really, look into transplants, they will give you some hair back sure - which is great in most cases. Being bald sucks. Surgery will get you your hair back. But it will always just be the illusion of having hair. The density just isn't there. You always have to come or style it a certain way, wear it a certain length, while you will most likely still have a high forehead. And you shouldn't really get a transplant if you not on finasteride anyway. You have to have stabilized male pattern baldness. Getting one transplant is just almost unheard of. You will need at least one more down the line except when you started super late in the game or something else. Once you're cut, you're cut.
So yeah, I don't know, "bro." I really thought about this hard before committing to the drug. I didn't take it lightly. But I have no regrets so far. Regarding cost and outcome, it was an easy decision for me in the end because of one simple fact: Most people will never see you bare chest. But everyone will see you hair. Everyone. Every day. For the rest of your life.
Easy decision.