Im surprised you didnt get side effects from 0.25mg finasteride. Thats a really high dose, but its good to hear that.
Was it your own mixed finasteride or was it compounded/pharma grade topical finasteride.
"So even though you might be inhibiting the same amount of serum DHT, it might be possible to dodge the side effects that are caused directly by the finasteride in you bloodstream." This is contradictionary. Lowered serum DHT is what causes side effects. Once the drug reaches the bloodstream, it will reach all tissue in your body including the organs where most of the 5ar is located at and your dick, obviously.
We do not know if this is what actually causes most of the side effects