With dental cavities below gum line, is it better to pull back the gum and fill the cavity or put a crown? (Photo)

I have 2 cavities below gum line in one tooth; and one in the adjacent tooth that has a crown. One dentist advises to have a surgeon pull back the gum in that area and to fill all 3 cavities. A second dentists says I need to have 2 crowns and might need a root canal, but won't know until he gets into the tooth. (I have already had the needed deep cleaning and my gums are now is very good shape.) Which treatment plan makes more sense to you and why? What are risks with each treatment plan?