creatine doesnt have bad side affects really when you go off...you wouldnt lose what you gained, or at least not much of it...but, on a second note, creatine is generally for more serious bodybuilders
also, you seem to be overtraining.....what you should do if you only work out 3 times a week is a good training split...ie chest,triceps,shoulders on monday, biceps/forearms and back wednesday, and legs on friday.....that way, you would be giving each muscle group adequate recovery time
or, if you want to strengthen/get even better recovery, do chest and back monday, legs wednesday, and biceps,triceps,shoulders friday.....that way, you would get the most recovery time possible, as well as the most strength
if you do that, i would recomend protein first, such as 100% whey,
nitro tech, etc, and creatine second, such as vitargo cgl, cell tech, trac creatine,etc