I know I am replying a bit late, but maybe you will still read this!
I am currently under a specialist for my low bone density- not yet osteoporosis but could be if I don't watch out.
I had a bone scan privately at 49- I have no other risk factors apart from being petite and also a non-dairy eater for several years, due to allergy.
The most recent thinking is that if you have prem. meno- before 45- you should take HRT until you are at least 50- the age of the natural menopause for many women.
The risks are very, very small if you look at your personal risk from taking HRT for afew years.
However, it is NOT now recommended that anyone takes HRT as a first line treatment for osteoprosis. Some women will, if they are happy with the risks, but you have to take it for years- 10 or more- to keep the benefits.
The best way is to have a healthy diet and to do exercise, including strength training, either at home with weights etc or at the gym.
Your first step should be to have a bone scan- even if the NHS won't pay you can hav e one privately for around £100 which I feel is money worth spending. You can then decide what to do.
if your mum had osteo then you are at increased risk along with your prem. meno- so you may well get a screening on the NHS.
I did not have meno until 53+ so it is not entirely true that bones thin after meno- they can start doing so in your 40s.
I'd advise anyone to have a bone scan in their mid 40s, just to see what is going on, especially if you are small- I am 5'3" and very petite, or you have any other risk factors at all, including lack of exercise, smoking, irregular periods etc.
If you spot any changes soon enough, you can do something about it- mainly exercising which can at least stop the rot.