Your post certainly should not be flamed because you are asking genuine questions and trying to do so in a reasoned way.
I must say there is absolutely no doubt that finasteride does cause problems regarding the male sex steroids and that there is a complete lack of understanding of this fact amongst many doctors.
Finasteride was originally used as a treatment for prostate cancer to chemically castrate men instead of physically castrating.
It is proven to reduce testosterone and dihydrotestosterone- that is absolutely not in question.
Finasteride is proven to cause hypogonadism, that is also not in question.
The symptoms seen in hypogonadism are diverse, but then again part of that is because there are wide ranging effects on the body due to hypogondism.
A lack of androgens causes everything from;
Poor memory, difficulty concentrating and cognitive issues, low libido, erectile dysfunction, reduced or missing morning erections, increased visceral fat, reduced muscle mass, reduced bone mass, joint pain muscular aches, excessive sweating, depressed/low mood, irritability, anxiety, nervousness, lack of energy and vitality, general lack in well-being, physical exhaustion, sleep problems, decrease in secondary sexual hair such as beard growth, reduced acne and spots due to lack of sebum production, (NOTE pre puberty it causes eunecoid body development with excessive height, disproportionate arm span and disproportionate lower body development and can cause micropenis).
People who have untreated hypogonadism have one or more of the above- each person differs as to how they are affected and the severity is of any symptom is often based on the severity of the lack of androgens.
Hypogonadism at any age through whatever means leads to an increase in the statistical likelihood of developing or doing the following if not treated;
Osteoporosis
Type 2 diabetes (one in three men have hypogonadism)
Strokes
Cardio Vascular Disease
Obesity
Alzheimer’s
Depression
Suicide
So the cause and effect of finasteride is not in doubt at a certain dosage when it comes to hypogonadism.
All the above said and done that is talking about finasteride not Propecia or Proscar.
The association is not so clear cut when dealing with these medications and these doses of finasteride.
Drinking high amounts of alcohol causes an individual to become inebriated, but that does not mean that having a sip of beer makes an individual inebriated. Also water is toxic to the human body in sufficient quantities, but that does not mean water is harmful per sey.
The question should not be is finasteride harmful, as that is abundantly obvious to those doctors who are not idiots, the question should be;
Is Propecia and Proscar harmful?
And
Is finasteride harmful at these levels?
I suspect that part of the problem is that many men with lower androgen status maybe more prone to the effects of low dosage finasteride. I think statistically there will be found to be an absolute cause and effect problem at these levels.
Of course that is only my conjecture.
None of what I have posted relates in any way to the theories that finasteride may cause other endocrine problems- which it may well do (I can’t comment as I have seen no proof either way).