Sounds like i'm not too bad then.
I get an upset stomach and feel bloaty when I have a latte or something with a good amount of milk.
Oddly enough I have to eat a TON of cheese to feel sick. I can have pizza or say a sandwich with cheese with no issues. Yoghurts are fine as well, although when possible, I've been picking up lactose free version.
Even stranger, I can drink normal milk in Europe with no issues whatsoever. It's weird but it's nice to not have to worry.
When I'm home here in Canada, I just have soy milk. I still haven't been able to find a lactose free hot chocolate (if anyone knows of one please let me know!)
I find that with a bit of planning I can usually find a non-lactose or soy substitute. Worst case, there are lactose pills which generally work well enough.