I believe the sexual sides are more common than the 2% risk the doctors will advise. But keep in mind, most of the time you read anything about finasteride it’s people on the internet posting about side effects. The people not experiencing them are not talking about it at all let alone making blogs about it and I do believe said people who just take the pill and move on with their lives are in the majority. The sex sides are also not as severe imo. I think it’s rare that someone actually ends up with any worse than a slight decrease in libido/ejaculate quality. Those that do will let their nightmare be known (by their own right) and then everyone else’s says ‘hey, me too.’ But it’s not quite that cut and dry.
The mental sides are real but (again this is just my theory) rather than taking one pill and instantly getting confused they just build up over time. Like yeah if you take finasteride for 15 years it’s going to have an effect on your brain. I know the science suggests this could happen sooner but where’s the proof that it has ?? Very easy to think a drug is making you think slower or feel depressed and just as easy to think you’ve been cured if you quit taking that drug.
In the end you have to be the judge.