JDW...I have been following your posts...I am in much a similar predicament.
I am 25 years old, had some recession most of my college years, but it wasn't progressing. I started 1 mg finasteride as a precautionary step and with slim hopes that it would some how regrow some of my temples. Well, this was in June 2006. I have recently stopped taking it after having major shedding (and I know it was caused by the finasteride because it was only the top part of my head shedding which has 1.5" hairs and I was losing over 100 a day - far more than the "daily" amount of usual shedding).
About 3 months after taking it, I got an itchy burning scalp accompanied by dandruff (all of which I have never had my whole life). I've been using Nizoral 1% and 2% and T/Gel extra strength which my Dr recommended. My dandruff has gone away, however my scalp seems to have lost a lot of feeling and I am still shedding. I do not think I will ever continue with it because 1) shedding is not listed as a side effect by Merck 2) in all Merck's studies a patient never increased hair loss, he simply continue at the same rate and 3) I have read that derms reccomend discontinuing the use of medications which cause effluviums. I don't see much regrowth now and I have been off it 2 months (I started in June, used for 4 months straight). Anyways, I am definitly going to keep in touch to post my results if I ever recover from it. My worst concern now is the numbness in my scalp which leads me to believe that I have premanently damaged my scalp somehow...anyways I will post again later!