If teeth are too crowded then moving the teeth with orthodontics may be best prior to veneering the teeth. I too am not a fan of Lumineers. I prefer regular veneers.
Your dentist might be able to predict from your X-rays and position if tghe permanent canines will automatically erupt after extracting the baby teeth. Most likely they will not on their own, or they already would have pushed the baby teeth out of the way. They might need some orthodontic...
Hiding the edge below the gumline would not reduce your chance of decay, so I wouldn't worry about that.
Preparing the teeth at the gumline is pretty standard. The problem Dr. Tau talked about is the body's natural reaction to something foreign, and if we come too close to the...