Ok, I finally got a response back from a very well known Endo. Mr. Ó Dea.
"Testosterone is converted into DHT by an enzyme called 5 alpha reductase. Finasteride and deutasteride work by blocking the actions of this enzyme. If your feminizing hormone therapy is done properly, your testosterone level should be so low that there is no testosterone to block and no testosterone there to be converted into DHT. Meanwhile 5 alpha reductase also converts other hormones as well, including progesterone which converts into allo-pregnanolone and cortisol into tetra hydroxy DOC. So no, I don't use, nor do I need to use finasteride. It really helps to know what one is doing as opposed to mindlessly following a cookbook."
This guy really knows his stuff. The key is just keeping your T-levels down enough. Way down. Then there is no issue with DHT. Yes Avodart is grand and the like but I am also on Prometrium (Progesterone) along with Estradiol V.. I guess I will try upping Spiro to make up for the missing finasteride T lowering effects. But Avodart is still tempting. hmmm.....