From a heart standpoint yes both cardiologists have said it was fine. The reasons I'm still not entirely comfortable with it are
1.) The potential (albeit small) for side effects
2.) Having developed the cardiac issue (likely from taking gear), and colitis disease (potentially from taking Accutane), I have become fairly OCD regarding health and taking substances, and so anything additional tends to concerns me
3.) "Inhibition of 5α-reductase also reduces epididymal weight, and decreases motility and normal morphology of spermatozoa in the epididymis. Neurosteroids like 3α-androstanediol and allopregnanolone activate the GABAA receptor in the brain; because finasteride prevents the formation of neurosteroids, it may contribute to a reduction of GABAA activity (see also neurosteroidogenesis inhibitor). Reduction of GABAA receptor activation by these neurosteroids has been implicated in depression, anxiety, and sexual dysfunction."
4. Having previously had gynecomastia and potentially coming off TRT in the next 1-2 years I'd prefer not to take something with demasculinizing effects.
All valid. There is always more to life than your hair and it is a personal decision, if you're not comfortable making it yet, you shouldn't.