I must have half my teeth crowned or capped. As your DH said the only thing that hurts is the Novocaine. They do whatever needs doing, put on a temporary and in a week or so you have the new cap/crown.
The newer crowns/caps don't have that margin like the old ones did and you can't really tell they are not your own. If done properly you shouldn't have any pain either.
I think once you do it you are going to kick yourself for waiting so long.