After posting this question I was talking to a friend of mine. She said that she had a similar situation. One dentist saying you need to get that tooth fixed and another saying it did not fixing. She went with the second dentist's opinion. Guess what.....in less than a year she ended up with a root canal. Which cost her a lot more than the filling would have cost.
You just don't know which way to go. Having a crystal ball to look into the future would sure be a big help.
I am always afraid that is they mess with my teeth then they will create a problem that wasn't there before.