I'd get the test if you're really worried about it (AND especially if you have a family history of osteo or other bone-related diseases). Not because I think you're in danger, but even at your 20s, you should be prepping for "long term maintenance." And it will relieve the stress of worrying about it -- and too much stress is a serious health hazard.
True fact, though, is that the toe is the most commonly broken bone. They've done studies ('cause the gov is always begging to give away money) and they've shown that (with X rays) the average human toe has been broken oodles upon oodles of time in a normal life span. Most people in the study group didn't even KNOW they'd broken it!!
Another thing, I'd also ask to be checked out for an ear infection (or other aural oddity or infection). Your problem might be more along the lines of the cause, not the effect. Meaning, you might be a bit clumsy due to an ear infection, and THAT'S what caused you to break your toe so many times.
Also, if the dried earth break came BEFORE the other two, chances are, it just wasn't healed, yet. A broken toe heals faster than a broken arm, but it still takes several weeks (after the age of 15, I believe).
I'd look more to your overall health (diet, stress level, etc) before I'd worry about BD. If you're over-stressed (like moving across the country might cause -- or dealing with a SS who wants to live like P. Diddy on your credit), you really won't heal as fast. Really.
Please let us know what you decide to do ... and what the outcome is (betting on an ear infection -- tis the season for it -- specially since you changed climes, didn't you, with your move??). I'll be praying for you, Darlin'!!