The only way to know for sure is to have a MD examine you and/or image your back. I love Chiropractors and I am very good friends with 3 in town, acquaintances with many more. Each practice different techniques and each have different views on chiropractic care. Similar to MDs using different methods in their practice. One in particular, will tell you in a heartbeat, if you hurt go see a MD. The pain could be caused by any of the things you mentioned so the only real way to know is to have images made. It could be completely normal or horribly wrong, so don’t assume or let anyone else assume for you. If it’s fine then go back to the chiropractor. Luckily you have good health insurance.