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If you stop taking finasteride you will lose its benefits. If you start taking minoxidil it would have no relevance with respect to finasteride. They are two different drugs that work in two different ways.
If you stop the finasteride you will "accelerate" your hair loss and return to the baseline hair loss you would have had if never took finasteride in the first place. Adding minoxidil will help augment the results you already have with finasteride. The only alternative is cellular therapy. Cellular therapy such as PRP and adipose derived stem cells can help slow hair loss and promote new growth. I have been providing this natural therapy to patients for years with outstanding results and meantimes we can avoid medication (although the added benefits of medication are also helpful if the patient can continue).
75-90 % of men who were using finasteride for one year or more will experience hair loss when they stop.Yes, the degree of hair loss may be somewhat less if you start minoxidil but really this depends if you are a responder to minoxidil or not.About 50-60 % of men don't have a real significiant response to minoxidil.
If you stop taking finasteride and you had good effects from this drug, then you will develop 'catch-up hair loss' which means that all of the benefits will disappear and the drug minoxidil will not stop this from happening.
If you have decreased pubic hair with age and want more pubic hair, see a doctor for an exam before treating yourself.
If you are losing your hair is a "V" shape, it probably is not related to stress. If you are concerned see a doctor for a proper exam. There is a reason they call it male "pattern" balding.
In general there is no pain associated with alopecia areata. If you are concerned you need to see a doctor for a proper exam. There is not much the Internet can provide aside from general information.