The side effects are usually skin related (bloating slightly, drying out, bags under the eyes).
The sexual side effects of finasteride aren't associated with Rogaine. In fact, I don't think I've ever seen anyone had such effects from it.
Hair usually falls back out 3 or more months after you stop using it so it's something you need to use permanently (well, according to their leaflet until you turn 50).
I have to say, I have noticed slight dryness under my eyes, closest to the tear duct, since using Regaine (UK version... no idea why they changed the name here).
Does anyone know why minoxidil causes this? Does it pull blood and nutrients away from the face to feed the scalp instead?