If your hair is super sensitive to DHT, would Finasteride be a waste of money?

[ThinningHairFML]

On a range of 16-79, my DHT is 17. Normal, but pretty low. I've been losing quite a lot of hair over the past month or so.

I've been told by a few people (no doctors yet) that since my DHT is already low, I have a better chance of having some bad side effects than I do maintaining my hair. Anyone have anything to back this up? Although my DHT is low-ish my sex drive is still really high.

I went to a dermatologist earlier who basically just shrugged off my hair loss and focused on my beard hair which is sort of patchy. She immediately said "ALOPECIA AREATA" despite the thinning on my hairline, nape of neck, and around my ears (and a bit on my crown as well).