Hesitating and researching are important. Since you are borderline, you have time. I like your rheumatologist because she doesn't use Prolia or pressure.
While reclast is a workhorse drug used successfully by many, the side effects (for about 20%) can be severe. If you take the reclast which is a 5mg dose, you could consider asking for a 1 or 2 mg dose with a longer infusion to test your reaction. Windyshores is the in house expert.
I would suggest that you look at Forteo and ask your rheumatologist about it. I say this because I'm taking it and have had no adverse effect.
If you have an unfortunate reaction to Forteo, you can quit taking it. The drug leaves the body quickly. Reclast is more complex it stays in the system for the three months and can cause cascade events that last even longer.
Your friends may be making very good decisions for themselves.
I was afraid of the fractures that can alter life in unimagined ways.
If you have any question we have 10 different answers to confound you.
Bless your choice with luck.

My advice would be to find a physio who specialises in bone health and stay off drugs for as long as possible. I am 76 and recently had chemo and radio for an aggressive estrogen driven breast cancer. So have to take anastrazole, which is bad for bone health. Medical oncologist says I need to take it for several years. After 6 months with the physio my bone density has improved significantly - although am still diagnosed with osteopenia. Twice a week. Now lifting 24K kettlebells and doing 50K on the leg press. Means I don't need to walk much- chemo caused peripheral neuropathy, so walking isn't pleasant.