u/itsSmooth1

anyone running this setup? how’s the visibility at night and during the daytime?

Hi everyone,

I’m a 21-year-old male trying to understand a low bone density workup. I’m already seeing endocrinology and have follow-up planned, but I’d appreciate advice from anyone with young-onset low BMD, genetic bone findings, or similar DXA results.

Background

• Male, 21
• Height around 6'1" to 6'2"
• Weight usually mid-160s
• Lifting consistently 4+ days/week with progressive overload
• High-protein diet
• Trying to maintain calcium and vitamin D intake
• No smoking
• No obvious secondary cause found so far

Fracture history
I have had prior fractures, but they were sports-related:

• Dec 2021: right humerus and ulna fracture during a sports-related fall, required surgery/hardware
• 2023: right finger fracture during sports

I’m not sure whether these should be interpreted as fragility fractures or traumatic/sports fractures. My endocrinology note lists osteoporosis/low BMD with history of right humeral/ulnar fracture and right finger fracture, unclear etiology.

DXA history

8/2023 DXA

• Spine only
• Lumbar spine BMD: 0.910
• Z-score: -2.3

8/24/2025 DXA, SimonMed

• Lumbar spine L1-L4: BMD 0.933, Z-score -2.4
• Left femoral neck: BMD 0.711, Z-score -3.1
• Left total hip: BMD 0.770, Z-score -2.4

1/27/2026 DXA/TBS

• Lumbar spine L1-L4: BMD 0.831, T-score -2.4, Z-score -2.1
• Left femoral neck: BMD 0.596, T-score -2.5, Z-score -2.5
• Left total hip: BMD 0.756, T/Z -1.8
• Right femoral neck: BMD 0.679, T/Z -1.8
• Right total hip: BMD 0.751, T/Z -1.9
• Mean total hip: BMD 0.754, T/Z -1.8
• TBS AP spine: 1.322, interpreted as normal microarchitecture
• VFA: no obvious vertebral deformities/fractures
• FRAX not reported because I’m under 50

Important caveat: the 2025 and 2026 DXAs were done on different machines/facilities, so I know raw BMD values may not be directly comparable. The 2026 scan was treated as a baseline on that machine.

Labs/workup

Most common secondary causes seem negative/normal.

1/14/2026 labs

• Celiac panel: normal
• CMP: normal
• CBC: normal
• Vitamin D 25-OH: 58
• PTH: 27
• Ionized calcium: 5.0
• Total calcium: 9.6
• Phosphorus: 3.6
• TSH: 1.07
• Free T3: 3.9
• IGF-1: 299
• Total testosterone: 607
• Free testosterone: 80.1

2/1/2026 labs

• CMP: normal
• P1NP: 103
• CTX: 657

24-hour urine calcium

• 213, interpreted as normal

So far, there doesn’t seem to be evidence of vitamin D deficiency, hyperparathyroidism, thyroid disease, celiac disease, kidney disease, calcium wasting, abnormal testosterone, or major metabolic abnormality explaining the low BMD.

Genetic finding

Genetic testing showed a pathogenic ORC6 variant. My endocrinologist noted that ORC6 mutations can be associated with Meier-Gorlin syndrome, but I don’t have obvious classic clinical features. I’m tall, around 6'2", and I don’t have obvious microtia or patellar abnormalities as far as I know.

The note said ORC6-related Meier-Gorlin syndrome is typically associated with developmental issues in bone/tissue growth and delayed mineralization rather than progressive acquired bone loss. Additional genetic testing/referral was ordered.

Current plan from endocrinology

• No medication for low BMD right now
• Repeat DXA + TBS in about one year
• Continue age-appropriate protein, calcium, vitamin D, and physical activity
• Follow up with genetics/testing

Has anyone seen a similar case: young male, low BMD/Z-scores, completely normal labs, normal TBS/VFA, sports fractures, and possible genetic/developmental explanation? What did your doctors do, and did anything help improve or stabilize BMD?

Hey everyone, looking for practical advice on what the lowest reasonable car insurance coverage would be for my situation. I’m not trying to run bare minimum because I know that’s reckless, but I also don’t want to overpay for coverage that doesn’t make sense.

Details:

I’m 21 years old, a medical student, and I don’t really have any significant assets right now. I have good health insurance through UnitedHealthcare Choice Plus. I’m in Tampa, Florida, and the car is a 2023 BMW 540i xDrive. It’s paid off/no loan. The car is worth around the low-$40k range. I have about $2,000 cash readily available, so a higher deductible is not a huge issue. I do have one prior at-fault accident from 2023 showing on CLUE.

I want to keep comprehensive and collision because I don’t want to self-insure the whole value of the car, but I’m trying to figure out reasonable liability and UM limits.

The Progressive quote I got for regular driving coverage was about $1,620 paid in full for 6 months after they pulled reports, or about $270/month effective.

That quote was for roughly:

Liability BI/PD: $50k/$100k/$100k

Uninsured Motorist BI: $50k/$100k non-stacked

PIP: $10k basic, $1k deductible

MedPay: $500 per person

Comprehensive: $1,000 deductible

Collision: $1,000 deductible

Rental: $40/day

Roadside: no/optional (I already have BMW roadside coverage)

Progressive Vehicle Protection: no

I also looked at lower/budget setups like:

$25k/$50k/$10k liability

$10k/$20k UM or no UM

$500–$1,000 comprehensive deductible

$1,000–$2,000 collision deductible

My questions:

For someone who is young, in school, and has basically no assets right now, is $25k/$50k bodily injury and $10k property damage too low?

Is $50k/$100k/$100k liability a smarter minimum, even if I don’t have much to sue for right now?

How should I think about future earning potential as a medical student? Does that make higher liability more important?

Does having good health insurance make it reasonable to carry low UM coverage, or is UM still important in Florida?

Is $1,620/6 months for the $50k/$100k/$100k liability + $50k/$100k UM setup reasonable for my profile?

What would you personally consider the lowest reasonable setup for a 21-year-old in Florida with this car?

I know nobody here is my lawyer or insurance agent. Just trying to get a realistic sense of what’s financially responsible versus overkill for a broke med student with a newer BMW.

Hey everyone, looking for practical advice on what the lowest reasonable car insurance coverage would be for my situation. I’m not trying to run bare minimum because I know that’s reckless, but I also don’t want to overpay for coverage that doesn’t make sense.

Details:

I’m 21 years old, a medical student, and I don’t really have any significant assets right now. I have good health insurance through UnitedHealthcare Choice Plus. I’m in Tampa, Florida, and the car is a 2023 BMW 540i xDrive. It’s paid off/no loan. The car is worth around the low-$40k range. I have about $2,000 cash readily available, so a higher deductible is not a huge issue. I do have one prior at-fault accident from 2023 showing on CLUE.

I want to keep comprehensive and collision because I don’t want to self-insure the whole value of the car, but I’m trying to figure out reasonable liability and UM limits.

The Progressive quote I got for regular driving coverage was about $1,620 paid in full for 6 months after they pulled reports, or about $270/month effective.

That quote was for roughly:

Liability BI/PD: $50k/$100k/$100k

Uninsured Motorist BI: $50k/$100k non-stacked

PIP: $10k basic, $1k deductible

MedPay: $500 per person

Comprehensive: $1,000 deductible

Collision: $1,000 deductible

Rental: $40/day

Roadside: no/optional (I already have BMW roadside coverage)

Progressive Vehicle Protection: no

I also looked at lower/budget setups like:

$25k/$50k/$10k liability

$10k/$20k UM or no UM

$500–$1,000 comprehensive deductible

$1,000–$2,000 collision deductible

My questions:

For someone who is young, in school, and has basically no assets right now, is $25k/$50k bodily injury and $10k property damage too low?

Is $50k/$100k/$100k liability a smarter minimum, even if I don’t have much to sue for right now?

How should I think about future earning potential as a medical student? Does that make higher liability more important?

Does having good health insurance make it reasonable to carry low UM coverage, or is UM still important in Florida?

Is $1,620/6 months for the $50k/$100k/$100k liability + $50k/$100k UM setup reasonable for my profile?

What would you personally consider the lowest reasonable setup for a 21-year-old in Florida with this car?

I know nobody here is my lawyer or insurance agent. Just trying to get a realistic sense of what’s financially responsible versus overkill for a broke med student with a newer BMW.

Hey everyone, looking for practical advice on what the lowest reasonable car insurance coverage would be for my situation. I’m not trying to run bare minimum because I know that’s reckless, but I also don’t want to overpay for coverage that doesn’t make sense.

Details:

I’m 21 years old, a medical student, and I don’t really have any significant assets right now. I have good health insurance through UnitedHealthcare Choice Plus. I’m in Tampa, Florida, and the car is a 2023 BMW 540i xDrive. It’s paid off/no loan. The car is worth around the low-$40k range. I have about $2,000 cash readily available, so a higher deductible is not a huge issue. I do have one prior at-fault accident from 2023 showing on CLUE.

I want to keep comprehensive and collision because I don’t want to self-insure the whole value of the car, but I’m trying to figure out reasonable liability and UM limits.

The Progressive quote I got for regular driving coverage was about $1,620 paid in full for 6 months after they pulled reports, or about $270/month effective.

That quote was for roughly:

Liability BI/PD: $50k/$100k/$100k

Uninsured Motorist BI: $50k/$100k non-stacked

PIP: $10k basic, $1k deductible

MedPay: $500 per person

Comprehensive: $1,000 deductible

Collision: $1,000 deductible

Rental: $40/day

Roadside: no/optional (I already have BMW roadside coverage)

Progressive Vehicle Protection: no

I also looked at lower/budget setups like:

$25k/$50k/$10k liability

$10k/$20k UM or no UM

$500–$1,000 comprehensive deductible

$1,000–$2,000 collision deductible

My questions:

For someone who is young, in school, and has basically no assets right now, is $25k/$50k bodily injury and $10k property damage too low?

Is $50k/$100k/$100k liability a smarter minimum, even if I don’t have much to sue for right now?

How should I think about future earning potential as a medical student? Does that make higher liability more important?

Does having good health insurance make it reasonable to carry low UM coverage, or is UM still important in Florida?

Is $1,620/6 months for the $50k/$100k/$100k liability + $50k/$100k UM setup reasonable for my profile?

What would you personally consider the lowest reasonable setup for a 21-year-old in Florida with this car?

I know nobody here is my lawyer or insurance agent. Just trying to get a realistic sense of what’s financially responsible versus overkill for a broke med student with a newer BMW.

just looking to see if there’s any memberships for touchless car washes since i’m going downtown for the next few years