@suki1964 What I've posted isn't my own opinion but medical facts. It's not simply anecdotal.
1 in 2 women over 50 will break a bone due to osteoporosis. Lifestyle can help prevent bone loss but on its own it's not enough for many women.
If you'd like see the medical facts, there is an excellent video by Prof John Stevenson on the British Menopause Society website under TV on the menu system.
Your peer group won't know what their bone density is unless they are having DEXA scans.
In the UK these are only done after there is a fracture (for women post menopause) or if women pay for them privately.
And, sadly, many women don't find out until they are in their 60s or 70s, break a hip or wrist and are semi disabled afterwards.
The Royal Osteoporosis Society has an excellent website with all the facts and figures. Post meno bone loss can be 5% a year for several years. All the exercise in the world can't replace all of that. (Prof Stevenson explains why.)
It's not as simple as 'getting off your arse'.
Those women may eventually discover they do have bone loss - it's not visible, is it? Over 1000 women a month die from complications of hip fractures.
Ideally, the NHS should be doing dexa scans like they offer smears and mammograms but they don't and fractures cost the NHS £2 BILLION a year.
I don't know if you are in the UK, but screening for diabetes isn't done regularly, so again, not sure how your peers know one way or the other.
HRT isn't prescribed to prevent diabetes, that would be ridiculous! But in the research papers it does say it reduces the risk, along with heart disease, bone loss, bowel cancer and possibly dementia.
We can only make choices on the facts and our own preference, and genes.