Body shop guys out there, dent in fender, repair or replace??

So my neighbor just backed into the driver side front fender on my 2015 Outback :crying:. First new car I've ever owned. She is going to pay for the repair. I've gone to three different body shops for estimates, two want to pull out the, about a salad plate size, dent and then smooth any imperfections with body filler, one wants to replace the whole fender.

I'm not very happy about the thought of using body filler as I live in Tahoe and we get extreme temperature fluctuations and I'm worried that over time the filler may start to crack.

The body guys claim this is not a problem and that to get the fender off they have to pull the driver's door and trim pieces and that to get everything to line up again may be difficult.

Thought I would put it out the the FORUM and see what all of you had to say.

Any body shop guys out there that can chime in?

Thanks