Im the same way. I do have anxiety and panic disorder, which has gotten better over time, It wasnt something I was born with but something that happened to me after a traumatic event, so im thinking it will go away eventually. Anywho, I used minoxidil for 4 years no problem. Then I stopped for about 10 months. I started up again 3 months ago, and after a week of using it I got bad palpitations. I give up the minoxidil and the plpitations went away. So naturally I assumed it was the minoxidil. However, after analyzing what really happened, I was getting palpitations during poker, so it may not have been the minoxidil, but the stress and andreneline from poker. So I am starting it up again, and 3 days into 1ml twice daily I have not had a palpitation. I did have a slight panic attack after the first time applying it, but I was able to calm myself down.
Moral of the story, panic attacks and anxiety is a horrible way to live life, I know trust me, but you can not let it govern your decisions. My advice would be to start out small, maybe half a ml once daily for the first week and see how you respond to it, then take the reccomended dose. It is very rare to die from topical minoxidil, but after all, life kills, so what are you going to do?