It doesn't necessarily work like that. Roids won't automatically set your balding ahead by 10 years. It can, sure, but not for everyone. And someone without aggressive NWing will never get to a NW5 in the first place.
And it has yet to be proven that Finasteride causes chronic side-effects, so I will take my chances and listen to doctors and plenty of huge studies done, rather than listening to hypochondriacs on the internet. Can you see the logic in what I'm saying? 0.5% chance that those people are right and it happens to me or 100% chance to lose my hair? I'll take the slight risk and just kill myself if it happens.
If finasteride kills my dick, I will personally give you all my money and belongings and then kill myself. Deal? You'll get it all, that's how confident I am it won't.