Keep in mind I am no expert, I have just looked up stuff over the years OK?
It looks like l4/5 is your major concern. Disk bulge is another way of saying herniation. If it says MILD, no biggie, if it says severe, or moderate, there is more of a problem.
Annular tear I know about. This is like a barrier inbetween your verterbre, this helps the body support the disks. A tear in that can be very painful, and may be some of the sourse of your pain.

Stenoisis is arthritis. However when you have nerve INPINGEMENT on the NERVE root at l4/5, correction may have to happen. You don't want anything impingining on the nerve root, that is an ouch.

l5-S1 dehydration happens sometimes with age. The disks loose moisture and compress or flatten out a bit. Again if it says MILD, and not SEVERE, you have less to worry about.

No matter what your doctor suggests, go see another neurologist for another opinion. NO surgery until you are satisfied that you are doing the right thing and that all your questions are answered. Start a list with questions to bring to your next appointment. Make sure someone goes with you to absorbthe information. You may get distracted, I sure did when the MRI was upon the board. I was more interested in how it looked than what the neruo surgeon was saying about it. I did seek two other opinions, which I did NOT do the first time around. That is why I had to have more surgery 6 years later.

At this point, don't do any chiropractic moves, not until a neruo surgeon would clear you. Not with an annular tear.

To help yourself become familiar with the language the docs. throw at you look up each word on Google. There will come a point when you will talk to your doctor and actually understand what he is saying. For example look up annular tear, and dehydation of the disks. Knowledge helps you not to feel so afraid. Leesa is the best on the site for understanding the MRI. No kidding, she knows way more than I do. I hope you will ask her too for her input. More heads the better.

I do wish you all the best in this. I know it isn't fun. My surgey turned out OK, but leesa didn't get as good a result. We are all so very different. Be careful, and I will be glad to talk to you at any time. ginnie