katgirl,
you could have a self-pay dxa. Last I looked they were from 79 to $100 at separate radiology labs. Much more at the hospitals. Dxa makes smaller bone look less dense.

Given the early onset of pause, you have probably stabilized. But you've stabilized in a negative growth pattern. You don't currently have enough estrogen to restore bone.
You could take HRT now. Some, on site, are noting positive effect with initial replacement starting ten years after menopause. And it might protect your brain as a bonus.
I'm sorry you're sick and missed a sunny day. I feel so much more alive outside in the sunshine.
It's possible that you won't have side effects, but don't think about it until you are feeling better.