male pattern baldness is not a gradual, straight-line process. From my observations and experience, I believe it happens in distinct and noticeable events. So, people who have it tend to have a period of rapid recession that lasts a year or so, then a (usually) long period of stability that often lasts years, then another cycle of recession, then stability for several more years, etc etc. Usually, you can tell when an male pattern baldness cycle is hitting because it is often accompanied by a feeling of scalp irritation, or itchiness.
Bearing this in mind, I understand your fear, but also keep in mind that the hair that Rogaine is BEST at regrowing is that which has been lost recently. You have added finasteride. Ride this period out until you notice another male pattern baldness cycle, and start noticing some rapid recession. Your current hairline might remain stable for a decade for all we know. Continue to observe the hairline. If and when another male pattern baldness cycle hits, and you begin a pattern of recession, THEN go ahead and start the rogaine. The recently lost hair should respond very well to the minoxidil.
If you were to have started the rogaine RIGHT NOW, when this next male pattern baldness cycle hits, your follicles will have already past the two to three year of minoxidil sensitivity, and minoxidil will have lost its ability to recruit new hairs to grow, as they've been exposed to it already.
minoxidil, in my opinion, really should only be used when cosmetic degradation in a hairline has happened, or is imminent. That way, you will get the two to three year "power curve" of minoxidil effectiveness as late as necessary, which will extend your hairline stability as far into your adult years as possible.
I think I am overtalking this, perhaps I should use an analogy to explain more clearly... Using minoxidil is like hitting the "turbo" button on a race car... but you can only hit it ONCE in your life. Hitting it now would probably help you, but considering that you don't need much regrowth now, you would waste a lot of the upside it might bring, and then later in life (and we have no idea what ups and downs the hairline situation will bring in the later years), you'll be without this potential "turbo button" because you already expended it when you were young.
Make sense? :lol:
As for the Nizoral, I suggest you get on it (or an equivalent Keto shampoo) now and use religiously 2-3 times a week.