[I think I will give the Rogaine and Nizoral a shot for a few months to see if there is any improvement. If not, I will start the Finpecia. I can see this going either really well or really bad.
You mention worried about taking finasteride. One very important report disclosed a months ago, about finasteride, showed that it has protected patientes from getting prostate cancer in a significant percentage. This means that the drug has protective effects on prostate as it probably slows the lasting effects of DHT on the target tissues.
regards, beto