Man, may I ask you why you're not on finasteride?
As stated before, you won't save your hair without finasteride. If you get sides just stop, what else is it that scares you, permanent side effects that are considered rare? On top of that permanent sides are probably often related to mental issues. Look at this study:
https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5264352/
"A total of 4% of finasteride and 2% of placebo subjects discontinued the study due to sexual adverse events. A surprising finding in this study was that in these subjects who withdrew from the study due to sexual adverse events,
50% of finasteride users experienced continual sexual side effects after discontinuing finasteride, while 59% of placebo subjects noted continual sexual side effects"