@turkay1-- I think you made some great points in your post. My doctor basically told me the same thing.
I don't have major hair loss at this point, it's some minor thinning and shedding. My brother-in-law uses dutasteride and I know he had great results with it so I asked my doctor about it. My doctor said that dutasteride is a great drug for hair loss and that it's very effective. But it's not suitable for beginning stages. Milder drugs like finasteride are better for these stages. Only if these milder drugs don't work and the hair loss gets worse, do doctors recommend dutasteride.
Technically, all of these drugs are in the same group, they inhibit DHT. But dutasteride is one of the strongest drugs in this group. It's not necessary to use something so strong if a weaker drug is going to be enough.