@verc88 - There's a lot of scaremongering on the internet from people who've said they've taken Finasteride and haven't. Yes, there are side effects that affect a small proportion but this is the same as any medication. It's life I'm afraid.
I wouldn't worry about what if's that may never even effect you. If you get a side effect, then you come off it and it's reversible. Having this level of fear about unknown side effects that may not even be relevant to you isn't logical. Take it from someone who's likely a lot older, having an irrational fear like this will paralyze you in life particularly with regards to things outside your comfort zone. You could walk out of your door tomorrow and get mugged or shot or run over. No point planning for 5 year what if's that are very likely irrelevant.