Composite fillings versus veneers?

[Hotsun]

I recently saw two dentists regarding some wear on my 4 front teeth. The bottom 2 are worn down the most and have visible ridges and chipping. Sensitivity is mild unless I eat anything sour which I rarely do. One dentist told me I could get composite fillings which would protect the teeth from further wear and improve appearance. Another dentist said he wouldn't recommend that and that I should go with veneers or crowns instead. Obviously this is way more expensive and, as a disabled cash paying patient, not realistic. He said if I couldn't do either of those it would be best to do nothing at all. I feel like I'm being given two different stories and don't know which to believe. Opinions?