27, thinning, looking for a little advice

[Kova]

So about 2 year ago I decided I wanted to hit the gym a bit more and bulk up a bit. Not knowing anything about the process of balding at the time and presumably my body going through it's own changes as I "got old" I sprouted some extra chest hair and put on some muscle. Now however I am aware that I probably also upped my test and DHT at that point in time, and yes it was about when my hair started thinning.

Having spent a bit of time looking around, the "easy" fixes that actually work are minox and finasteride. However despite 2 of my friends vouching for fins potential I am still a little scared of it.

So, I have had a couple of blood tests done, and had my test and estrogen levels checked, unfortunately my testosterone has been consistently below normal, and my estrogen level is on the low end of the normal range. This makes me a little bit concerned, since it seems my body is doing quite well and converting my testosterone to estrogen, if I take fin and up my test levels, am I likely to end up with gyno/problems etc?

Does anyone have any experience with hormone levels vs incidence of various sides?