Blunt
I was like you and suffered side effects days after i began taking finasteride and i had not read into any horror stories. I had some kid on here telling me that it made him infertile but that was it. I wrote about my concerns over the side effects and i was told that i was being paranoid, it was all in my head etc just like you are now.
Almost 2 years later and i am dealing with terrible sexual and cognitive problems from the few months that i went on to use finasteride. You DO NOT want to end up like me. Going bald doesn't even compare to the mental torture of having your penis go numb, going days/ weeks without erections, not being able to keep up with conversations with your own family and friends. It is f*****g weird and it makes life very difficult.
If this sort of thing hasn't happened to you before then it probably isn't in your head. Before i took finasteride i never even gave erections a second thought and certainly never consciously thought about my 'sex drive'. As far as i knew, i loved sex and would perform at any time, any place. I am sure you are the same? young, healthy men very rarely have these issues, especially with a familiar partner. If you have read into side effects then there is a chance it is psychological. You need to try and think carefully about this yourself, although there should be plenty of clues if you are to stay on the drug. Morning erections, spontaneous erections, sexual thoughts etc - if these become absent then you know what is happening and should quit the drug immediately.
Regardless, i would quit finasteride and get off these forums now. If i did this years ago i wouldn't be in this position today. If my personal story isn't enough to convince you then visit propeciahelp - 5 new members today with two new horror stories. That's 2048 members in total. You should check out the videos below too:
Dr John Crisler - speaking on permanent side effects
"Too often they have very good testosterone levels but have all the symptoms of hypogonadism and that is a very serious problem. These guys are seriously screwed up from taking that drug. I have never prescribed it an never will"
That is coming from a world leading anti aging specialist, considered as the very best in testosterone replacement therapy, who has seen thousand of men in all sorts of trouble with hormones, sexual issues etc.
http://www.youtube.com/watch?v=BEGCTMtlgoc
Suicide linked to finasteride and dutasteride
http://www.youtube.com/watch?v=BXxUpiExMtQ
Please remember that you are receiving a number of opinions from men that are taking finasteride themselves. When i returned to this forum with my new sexual problems and a lack of concern for my hair, some members that were encouraging me to stay on finasteride as they were also taking it had also quit after experiencing severe side effects themselves and now had a negative view of the drug. Which, pretty much says it all.