No apologies necessary. My GP seems to agree with you that my similar Lumbar numbers aren't a big deal. Having a small frame seems to be one of the big risk factors for OP. I'm reaching the limit of my researching, but I'm going to look at the correlation between small frame folks and rate of fractures.
If we take your MD's interpretation seriously, (based primarily on your MD's clinical practice), what would justify/explain it? I'll be looking into for corrolation between larger frame (mostly male) folks and their rate of fracture and those of us with more petite/petit bearings. Assume that we are like the compact models of the automobile world--small cars likely have no greater risk of breaking down or collision. In theory, our tires wear out quicker than the big-car tires. If our bones are like tires, wee folks might have less tread to lose, but if we drive properly, safely, we're not in any more danger than the big-tire types. I need to work this out more. Something sounds like my thinking has gone off the tracks...