If you haven't any bald family members on either side of the family you're probably in the clear. Monitoring it for a while is a good idea, anyways if you're reluctant to do any medication you could have your hepatic enzimes and hormonal profile checked for peace of mind in case you change your mind and want to start taking finasteride later on. Two australian doctors on a Youtube channel (The Hairloss Show) also recommend a custom dose of finasteride (1mg 3 times a week) which is less than half the regular dose (7 mg a week) and supposedly hasn't led to any side effects in 99% of men they have been working with the last 20 years.