Creatine is found in red meat. Don't let anyone scare you into not taking creatine, if you feel that it will aid your strength development. You cannot overdose on creatine. Creatine will only lead to health complications if you have some sort of allergy to it (which you would see mildly if you ate red meat), or if you fail to hydrate properly while on it.
Monohydrate isn't the only form of creatine available as well. There is ethyl-ester, and a nifty buffered creatine called Kre-Alkalyn that has 100% absoprtion (made by SciFit). If you take monohydrate, you don't have to load (a 7 week phase of 20-30 grams of creatine a day) if you don't want to, but it's recommended, since monohydrate is very difficult for your body to absorb.
Once more, I will state, you cannot overdose on creatine, and it is not inherently bad for you. Most of the people who tell you otherwise are the type that believe that whey protein is unnatural and bad for you.