I haven't been formally diagnosed by a doctor, but I know I've got it...
Starting about age 38, a glass of milk or a bowl of ice cream would lead to some serious regrets 6 to 24 hours later. I can eat cheese, but too much (3-4 slices of a heavily cheesed pizza) and I'm in the same sh**ty situation.
I don't do the lactose-free stuff. Won't even try it. I would consider calcium tablets if I felt I needed them, but would rather eat my cheese with a little moderation.