There are a number of mitigating factors to consider. If the person taking steroids is abusing them, there is a greater chance of side effects. Bodybuilders who weigh significantly more then they should for their height are at a greater risk of weight related illnesses, regardless whether it is fat or muscle. Everyone reacts differently to medications. If you don't monitor how you feel or better yet, see your doctor on a regular basis, you have a higher risk of having health issues and not knowing it.
My urologist told me when I saw him yesterday, that I can go to once a year checkups with him since my PSA has remained undetectable for nearly three years following the prostatectomy. He also doesn't have any issue with my being on HRT, since I tolerate it well, with no sides and it makes me feel better. Labs showed my hematocrit to be right on. Some folks on testosterone develop issues with this. I believe that contributes to the likelihood of someone having a stroke. My blood pressure was 118/82, which is probably better than some of you youngsters here.