Life is full of risks. You have to weigh the values of certain things against other things. Evaluate the opportunity costs of doing certain things against what you are going to pass up doing. The risk of the things you listed are comparatively small, and the cost of not taking the drug is the loss of your hair. Is the loss of your hair going to close the door on other things that would have other wise been open to you? Will taking the drug, and having to reveal that to a woman, in the interest of disclosing to her any potential complications with pregnancy (Merck claims this risk is small, certain doctors disagree), affect that potential relationship?
Having thought it out, I just couldn't deal with any further hair loss, and so the risk was worth it. It does suck to fork over $30 USD/mo and pop a pill every day, however, I still have hair. If I were further along in hair loss, or didn't have the money, or any other number of things changed maybe it would be a different conclusion.