Yeah I'm not trying to be a prick but....
Like balding and steroids are kinda guaranteed. Look at an endocrinology book. Sweat glands (sebum), genitals, prostate and hair are major targets for androgen expression.
You have a good physique already. No guarantees you will look better on gear.
Will you be happier bald and jacked or with a head full of hair and lean?
Just something to think about. I think dutasteride is more benign than Finasteride due to the size of the molecule.
But that being said you need DHT for penis functionality and neurosteroids (produced by 3aHSD).