I would not use Minoxidil if you are pregnant or planning to become pregnant as there is some systemic absorption of topical Minoxidil. Topical solutions of finasteride and progesterone are not proven to be effective for hair loss treatment.
If you are getting the generic brand of finasteride the medication is by law supposed to be bio- equivalent which means you should get the same effect. I have had patients with respect to other medications report differences among the generic brands in that they were less effective or had side ...
If you are not sure why you are losing hair, it is best to see a doctor for an exam and treatment options. If you have seen a doctor but you are afraid to follow your doctor's recommendation, let your doctor know about your fears.