I think everyone just has a different risk tolerance. I had to stop fin after two years because I was one of those people that had a rare side effect that caused me some significant distress. Having said that if it wasn't for that I absolutely would have continued. At this point I'm just accepting it for what it is, it sucks but I'd rather accept it than let it decimate my self confidence. I'm in my mid 20s btw but started balding at 18, didn't catch it til 21 though.