Any well drillers in here? Have a question about lowering a well cap

We have been in our new construction home for about 3 years now. The well drilling left our well head and cap sticking literally 24 inches out of the ground.

I called him back about lowering it, and he gave me a long story claiming it can't be done without pulling the motor, resetting the pump depth, etc, and won't take it any lower than 12in. If he does that.

In a perfect world, I would put a septic type concrete surround around it, and put a Cement manhole type cover over it. And then grade around it, putting limestone around the concrete surround if needed.

Reason being, it's lined right up with my garage door. I'm gonna back over this thing and be in real trouble when I snap it off.

Anyone ever have one lowered? Think I'm nuts with my manhole cover idea? And grading it semi level?