Hmmm, very sorry to hear -- I can relate, as well.
Your best option may be switching the fin to EOD dosing; this has worked well for many people, and there is a fairly large faction of people that believe the efficacy still remains largely in tact (while the sides dissipate).
My initial impression, to be honest, is that your hairloss is triggering and fueling the depression and anxiety, which, in turn, triggers a wacked libido. I no doubt believe you are experiencing these "symptons", but, the eye-bags aside, I'd be inclined to think hairloss -- not the fin itself -- is the culprit.
You basically have two option for stopping the beast -- fin and minox. Actually, there is a third -- dutasteride. Dut is widely believes to be more potent than fin (it blocks more DTH); some have reported worse sides, but I also know some who couldn't tolerate fin but did fine on dut.
Also, being or not being on fin (or dut) will not make or break whether you can get a HT. Being on the drug, and doing well on them, certaintly can bolster yourself and make the overall HT plan more solid, but IMO, it is not a dealbreaker.