You have a ton of other options besides finasteride, minoxidil, and nizoral.
You can inhibit 5 alpha reductase (whihc is what finasteride does) by topically applying coal tar extract. You cna get this in a shampoo like t-gel or t-sal, or make your own topical. Do a search for LCD (liquor carbonis detegens)
Topical application of copper peptides or apple polyphenols have shown good results for hair regrowth.
Nizoral is a shampoo which contains ketoconazole, but like t-gel and t-sal it contains the irritant SLS as a surfactant. I'd use Revita instead.
You'll find all of the big 3 have their problems, although not everyone experiences them. Minoxidil causes water retention (giving people a fat face sometimes) and also there have been reports of dark circles under one's eyes, as well as poor looking skin and premature wrinkling. I got a fat face form it and discontinued use, although it is an excellent growth stimulant. It would be worth trying.
Finasteride causes man boobs, changes the consistency of ejaculate, and has been reported to cause "brain fog." I used finasteride for 2+ years with good results. It gave me all of these 3 things and also shrank my pecker a bit too, I think.
Do some research here if you are serious about your hair loss. Read posts by michael berry, dogj077, and Jacob in the Experimental and New Research and Discoveries section.
I'd use curcumin, retin-A, GHK copper peptides, LCD, Apple Polephenols from
http://www.applepoly.com , green tea extract, Blood of the Dragon, keratonocyte growth factor, superoxide dismutase, natural menthol, ketoconazole, caffeine, and a host of other things if I had the money. 4 of these ingredients you get in Revita shampoo. You can get custom topicals made by Elsom Research although they are expensive.
Bottom line is: you have treatment options besides the "big 3"..my advice is to ask people what they've all tried if they just tell you to use the "big 3"...my guess would be not much.