Sophie, you are so cool. Only twice and you are on it. I advised the scroll so no reader would get discouraged.
Since the 30 year old we are compared to is a 30 year old that none of us have been, the z score has inaccuracy built in. Your Z score would be the same as your T score.
Less interesting, I'm small boned I never had the 30 year old bones in the chart. Plus DXA can't distinguish small from large bones. Small bones appear less dense, large bones more dense.
So T scores and Z scores attempt to assess bone loss in order to determine treatment guidelines for this other wise silent danger of fracture.
You likely have a gynecologist. If there isn't a endocrinologist involved you might consider taking one on.
Do you have a pharmaceutical plan.
Terry