Side effects of baldness. I give them a 95-99% likeliness, as in the 1-5% of balding men who don't experience them are the "Jason Stathams and "Vin Diesels" who still maintain aesthetic appeal when bald.
For everyone else, 95-99% likelihood of:
-drop in options and quality of mating partners
-stress from simply seeing reflection
-paranoia that comes from hiding beyond a combover(if you even have enough hair left for one), toppik, being a hat prisoner, etc.
-increase in difficulty of winning the affection and trust of others, and the inevitable effect this will have on carrer and social prospects
And I'd guess there's about a 70-80% chance that at some point you will be publicly mocked for your deformity...hell, people made a laughing stock out of me just for TEMPLE RECESSION
I'll take my chances with finasteride for now, until I get unbearable sides or something better comes along.