Speculating? If you are not a doctor you are the one spewing nonsense.
Do you know more about me than my doctor?
One does not need to be a MD to talk about vitamins, especially since almost all MDs know nothing about them.
VitD3 goes with vitK2 and magnesium. It is often sold that way, and for good reason. The K2 ensures that the D3 and calcium end up in the right place. It sure is bizarre for a MD to recommend against K2 when K2 prevents the problem he claims to be concerned about D3. Oh well. Lol!