Should i get a 2nd opinion? toe dr said i tore ligaments in 4th toe and it is healed as much as it will. said surgery would not make it feel any better. feels disjointed and pain on top of toe with pressure. said the ligament tear was low (??

Yes, get a 2nd opini: Assuming "toe doctor" means podiatrist. S/he may have taken images. Consider using functional, integrative or restorative medicine. New therapies exist that have some evidence of growing new tissue. These include injections with oxygen/ozone , +/ - PRP (platelet rich plasma drawn from your own blood) &, stem cells or my choice, exosomes, that are stem cell signals to your body to grow new tissue