It's different for everyone. 3 months is nothing. I was on minoxidil for about 6.5 months with no results and I quit, and even that is arguably too early to quit.
Meanwhile, finasteride should at the very least stop your balding, but it can take up to a year for you to see any difference in thickening.
As far as your hairline, I would honestly dial back your expectations. You'll be lucky if it thickens up your hairline. At the very best you'll probably move from a Norwood 2.5 to a Norwood 2....but I'd bet on your hair simply maintaining and thickening a bit over time. Hair takes a ridiculously long time to grow, shed, grow, shed, which is why the peak time for results on finasteride is usually pegged at around 2 years, from what I have read.
If you feel like minoxidil and nizoral are wasting your time, quit them for now. You might experience a shed if you do this since minoxidil messes with your hairs growth cycles apparently, but even if that happens you'll level out in a few months.
In any case, unless you have bad sides, STICK WITH finasteride. After a year, see if it has maintained or improved your hair, then consider adding the other 2 back in for further regrowth and thickening.
The reason why it's best to do it this way is that you need something like finasteride to halt the hairloss anyway, and if you do see regrowth in 8 months, you'll be asking yourself if it was the finasteride, minoxidil or nizoral that caused actual regrowth, and you'll be too scared to ever stop.
So for the time being, whatever you choose to do, stick with finasteride for at least 1 year. Be patient. The others are optional.