Hello, I understand your concern. I commend you for abstaining from smoking, exercising and maintaining a healthy lifestyle. As for your question, according to recent studies on calcium and Vitamin D supplement intake, even assuming that the kidney function is intact, these supplements are a waste of money since they have not shown any real benefits in the elderly. If you enjoy good health, have a good diet, containing milk products and a healthy lifestyle, you may not need these supplements. However, if you have bone loss or fragility, the best medications are the ones that build new bone mass and bone active drugs, such as bisphosphonates. I hope this helps. Wishing you all the best.