1 ml of 5% minoxidil = 20 drops or 25 drops? Do I use total of 2 ml per day or 0.5 ml 2x per day?

I suggest seeing an expert to evaluate your hair loss and start non invasive options like PRP/progesterone or consider transplantation.  Best, Dr. Emer.

My suggestion is to use prp and progesterone but there is no reason you cannot use a microneedling/roller to get more deeper penetration of your topical cream/solution. Although I do not feel hydrocortisone does much for alopecia. See an expert.  Best, Dr. Emer.

I suggest you see an expert for a formal evaluation to determine what is causing your loss.  Best, Dr. Emer.

Gynecomastia has nothing to do with hair loss and vice versa.  you need treatment given your hair loss at this time, I suggest you see an expert.  Best, Dr. Emer.