I am going to be honest with you. If you want to do something to try to reverse your hair loss then you really need to consider taking finasteride. I am sure you have read your fair share of internet horror stories, but I would say don't let a bunch of random guys on the internet make your decision for you. Read the clinical data and talk to your doctor and then make an educated decision. It is totally up to you. If you don't want to risk the small chance of sides then accept the fact that you will continue to go bald. Who knows you might look bad ***. If you decide to take it accept that although unlikely you may be in the small minority that may get sides.
BTW, I am 38 and have been on it for over a year. Had the mild ball ache early on, since then nothing.