If you think your dentist is being to aggressive in his treatment you might consider getting another opinion.
I have a friend who is a dentist. He is not my dentist. I had this discussion with him. He said there are different philosophies on treatment. Some take the approach to treat immediately. Others take a wait and see approach.
FWIW, I had a dentist for a few years who I thought was soaking me. I had good insurance through my employer and I think he knw that. Cavities, root canals, crowns, etc. When I moved my home and switched dentists, I did not have any issues for 10 or so years.
I am not saying he was a crook, just that hi approach was on the aggressive treatment side. My new guy is a bit more conservative.