I admit I went through the same thing
I was obsessed about it for a time as well, and I was poking constantly, going into the washroom at work to look at my chest, looking at different angles and positions. Eventually I realized I was letting my obsession take over my life, and I told myself no matter what, I wouldn't do it at all for a straight week.. I wouldn't even look at myself bare chested in the mirror! I also took a couple weeks away from the forums and the obsession finally went away. If I feel like I’m starting to get back into that mindset, about any symptom, I always nip it in the bud and it alleviates.
I've been on finasteride for 6 months now; thanks to some exercise and now being at a good weight, my chest is even smaller than when I started. Gyno is no longer a worry at all for me.
Obviously a lot of guys get depressed about their hair, and their final hope is to take finasteride. Unfortunately, our minds always want to f*ck us over for some reason, so for us more obsessive guys (most of us probably) we focus on certain self-defeating thoughts that eventually manifest in very real ways. In some cases such as mine, full blown OCD (checking and re-checking). It's the minds way of dealing with the stress and worry. I think it's why a lot of guys don't do well on finasteride. Obviously some do actually experience real symptoms, but I’m willing to bet that most go through a similar situation as I described (whether it be sexual sides, gyno, brain fog, etc).
Anyway, obviously you won't wake up one day with man boobs like that. It probably takes a couple weeks or months for that to happen. If you just compare to your pictures, you will be able to catch it early if it were to happen.
The gyno statistics are from the 5mg finasteride. Also keep in mind that most people using 5mg finasteride are older men, who are already predisposed to gyno. I don't think I’ve ever seen gyno reported in trials from 1mg finasteride in young men, but it was reported to the FDA and merck post marketing. I'm not sure what the real stats are for 1mg, but I’m willing to go with Dr. Rassman's estimates at 1 in 500.
I would also say that guys that are overweight or have borderline high estrogen levels are going to be the ones to get it. Most young guys of average weight will have normal estrogen levels. finasteride raises estrogen slightly, but for the vast majority, it doesn't cause problems.