Red,
You seem like a stable guy. As much as some of the posters here might hate to admit it, the side effects reported in the majority of cases are exaggerated. People notice things about themselves that they don't like and they need to point the finger.
Are some of the effects real? Of course. But that doesn't mean that the mega "sheds" we hear about are entirely true. Bomb (no offense dude) said he was losing his hair at alarming rates, but the photos he posted showed either stability or improvement. HairLossTalk.com (again, no offense) has mentioned his massive shed, yet his pics show an excellent head of hair that couldn't of possibly been THAT much worse. I doubt HairLossTalk.com dropped to a Norwood 5 before he recovered to the hair he's got now. Almost everyone, at one point, claims that they've lost 80% of their density. It's the nature of the beast. The only person I've seen that has a reason to b**ch is Gunner.
Further, panic is a powerful, powerful thing. Once that sh*t sets in you cannot take a man's comments to heart. This May I was losing results due to my course of Accutane, and I was plotting all kinds of bizarre things to do to keep my hair. Zix treatments, topical DHT inhibitors, lower Accutane doses...I was consumed by my own fears. Consumed. It was on my mind every waking moment. Not exactly an objective opinion, you know?
In the end, don't let the talking heads sway you from what you know you need to do. The clinical trials should be your bible, and I think you should try Fina for a couple months.