Well this is where I disagree, Because I think bathesda knew that dragons would attack towns such as riverwood in my game where tons of people have been slaughtered by dragons. I have not taken the time to wait 2 in game months to see if anyone comes. Anyway they must have anticipated that, and since the blacksmiths and job givers are dead that town is useless now....
To be honest, there is no dev note or dev announcmenet saying NPCs do not respawn in towns.... So I am optimistic until that happens..
They let you live with your actions. Like the example in morrowind, if you are to kill a major npc, you would get the "you must reload or live in your doomed world" message. They wouldn't respawn them, or restart your game for you, it was your choice to do it and live with the consequences. Its the same in skyrim, though without the message, since really essential npcs are unkillable.
Helgen was most likely programmed like a fort or cave so that it would respawn bandits...theres no shops to visit or homes in the city so theres nothing to program like pathing and routines and it wouldn't be a problem adding in some bandits automatically by the game. Cities are different and are designed to hold npc's and shops and will have individual pathing and routines programmed into them....cities do not just randomly generate and program these things and you wont be seeing repopulated towns because of this.