The best treatment for female thinning especially with conditions like PCOS which make the medical treatment often unsuccessful, is Scalp Micropigmentation, see below
DermMatch has been used by countless numbers of my patients and I have not encountered problems. It is a very different type of a product than the keratin type fibers you have mentioned. DermMatch is formally known as a powder cake. It comes in a circlular dish with applicators much like a shoe ...
I recommend .25 mgs of Finasteride to many of my patients and I haven't seen Ginecomastia as side effect. So, no worries and see your doctor periodically (every 6-12 months) for follow-up.