Update to anyone interested-
Shortly after my last post I stopped all treatment. minoxidil makes my scalp unbearably itchy, and the finasteride was making me develop b1t%h t1t$. I decided it's better to just deal with it. Plus, I'm a busy guy and don't have time for all that. Years later until now my hair still looks the same. One thing I should add though is in addition to stopping all treatment - I stopped using illegal drugs as well as having multiple energy drinks every day. I drink a lot of tea such as white/green/yerba/roibus, exercise, and don't eat a lot of crappy fast food. I still drink alcohol moderately though. I personally now believe that all of the crap we put into our bodies makes us bald prematurely.
I wish I could tell you guys that I got all my hair back, but I just learned to accept my hair loss. Luckily the hair still looks the same, but if it gets worse I look good with a shaved head anyways. Maybe I'll hold out for a hair transplant in about 10-15yrs when technology should be a lot better. Best of luck to you all.