After a certain point, you simply cannot build bone naturally. Can't. You have to have help in getting the calcium you ingest into your bones.
While I certainly understand your reluctance to take a medication, the permanent life alter side effects of a hip or vertebral fracture greatly overshadow the less common side effects of an osteo medicine.
Your exercise regime is comendable as is your diet. Taking 3000 mg of calcium isn't necessary. You only need 1200 mg and probably aren't absorbing the additional anyway. (Spinach is NOT a good source of calcium, BTW)
As I've said before,
anything you put in your mouth can have side effects. People with peanut allergies are a good example. While a whole natural food, for some it can be deadly. Same with strawberries. Prednisone is another example. It literally saves lives and enables breathing - very important. But the side effects are absolutely horrendous. So what to do? You weigh your risks against benefits. In your case, your risk of fracture against the benefits of a drug.
The biggest problem in delaying taking an osteo med is that the more your bone density decreases, the greater your chance of fracture and the longer (if ever) that bone can rebuild and strengthen. If your numbers are very low - say -3.0 and lower, your likelihood of ever getting into a "safe" range is slim to none - unless you take Forteo. If your scores are in the mid to low osteopenic range (-1.8 to -2.2) you can possibly elevate those numbers.
With that said, the T-score isn't the final answer. You have to look at your family history - did either of your parents break a hip of lose height?, your current medications and their effect on your bones, your past history of fractures, etc. Just a lot of factors to go into getting a good picture of your overall bone health.
As for the cholesterol - I myself battle that problem and it just irritates me. Eat oatmeal. I prefer mine in cookies
Good luck to you and don't wait too long to make your decision.