I definitely believe that the 2% number is wrong, however it remains unknown how many users suffer from side effects even after cessation. Even assuming this has occurred to thousands of patients, it is still likely less than 1%, and even less who will suffer permanently (even on propeciahelp, there are patients reporting that although side effects persisted, they were eventually resolved in months/years).
In sum, I'm obviously concerned, I wish I never took the drug for even a brief time and I have stopped it. On the other hand, fear can take over rationality very easily (I've been dead certain that I've had all sorts of things, only to be eventually proven wrong). There are doctors all over the world (including my own) who have prescribed the drug for thousands and thousands of patients and have never seen anything approaching PFS, whether treating with Proscar or Propecia or Avodart (would be PDS, I guess). This doesn't mean that it doesn't exist, but it does support its rarity.
Finally, I literally demanded an extended discussion with my doctor yesterday, and he actually brought in the head of the department (this is at a large research hospital) to have the discussion with me. They appeared knowledgeable about how the drug worked, what DHT is/does, and how often finasteride is prescribed. In their medical opinion, which must at least count for something, a healthy male (I'm 28 with no other health problems) will be fine after stopping the drug, even if side effects are experienced. They essentially said (1) the body will re-start producing DHT at its previous rate (this is no surprise and I think even most people on here accept it) and (2) the body will be able to handle that transition back to normal DHT, particularly when the levels have been lowered for only less than a month. They said that DHT levels should be back to normal in 2-4 weeks, and any side effects will subside at that point, if not before as the body returns to normalcy during this time.
Going forward, I've only been off the drug for 4 days and I know I'm not out of the woods. I had no morning erection today, but this wouldn't be the first time that I freaked myself into a period of low libido/loss of erections. This time I didn't notice any side effects until I basically decided that I would be freaked out by this drug. So my plan is to eat healthy, exercise and lift weights, take 50mg of zinc/day, and focus on the fact that, statistically speaking, I probably have a bigger chance getting killed on my walk home from work than having permanent problems from finasteride.