No offense, but at 20, 5'10, 175lbs I very much doubt you have "came to that point" I would post your diet and training and start with it first to be honest. Another 10lbs with change in diet and training is actually not that hard.

Test + 1mg finasteride ED + Nizoral shampoo isnt gonna mess with your hair. If your really concerned that much, start off low at like 400mg/wk

Var isnt hard on the hair. ITs the only thing I woudl do besides a cycle with test in it.