I don't think finasteride "wears off" in the sense that you may be suggesting (that finasteride slowly loses its ability to inhibit 5a-reductase). I think balding gets worse as the years go by for the reason you stated in that one sentence above: I think scalp hair follicles slowly become more and more sensitive to androgens over time! About the only thing you can do to fight that is to add more items to your basic regimen; suppressing the production of DHT more completely by replacing finasteride with dutasteride would be an obvious thing to try, or adding topical antiandrogens; adding copper-peptides (there are several such products available, like Tricomin and Folligen), or other products which attack balding in several different ways. Sometimes you have to throw everything into the fight that you can!