I have been having lower back problems for few years.
Went to chiro couple of years ago, it helped a little for a while, they also gave me some mumbo jumbo diagnosis, which of course the wonderful art of chiropracy was supposed to fix.
Of course I was never given the impression it was going to happen overnight and they also made it quite clear it would take commitment (and $$$

) to keep comming back at least once a week.
To be fair they also recommended regular gentle excercise (ie swimming, walking, stretching). I started to feel better, but I think it was more the excercise than 5 - 10 minutes of back cracking $40 bucks a session.
So I stopped going. After few months the symptoms came back and my GP referred me to a specialist.
They did a CT scan and found I had two bulged discs by about 3 and 5 mm, which were pressing on the nerves.
Chiro never picked it up (or even suggested this could be the case). Luckily the specialist was not a surgeon and recommended Physio & Pilates.
That really helped, the biggest challenge is to keep the excercises going.
Bottom line: go to see a specialist if you have a back problem. Common sense tells me that pain is body's way of telling us there is something wrong.
Neither physio's or chiro's are specialists. Best thing I did was to go back to my GP and start from there.
Now I know I was very stupid to self-diagnose and gone to chiro because somebody told me to try one.
It's your body, when your car needs service you take it to a repair shop, when your dog is sick you take to the vet.
Why woud you take a different approach with your body is beyond me.
Use common sense, if in doubt get a 2nd or 3rd opinion.
PS: the Physio did not ban me from windsurfing, he said he knew I wouldn't stop going anyhoo