I've had a level 78 character and am playing a lvl 81 character now, and in all those hours I've only had 1 random NPC death - some farmer outside Whiterun during a CW battle on my first character. I think it's more of a playstyle thing, than a dragon thing. I've never once had a dragon spawn in a city besides open 'ciities' like Winterhold because I rarely fast travel.
I am the type of player who hates NPCs dieing, and feel an obligation as the PC, I mean Dragonborn, to keep them safe, so I am always aware of what idiot is running at danger with an iron dagger. I am one of those uptight players who couldn't stand the idea of a dog or a horse getting killed, so I never risk even taking them anywhere. Too bad they don't realize I am better at looking after myself than anyone they'll ever meet, and I really don't need or want them to charge into danger in my defense.
If an NPC died in my game I would load up a save, and not trust to the resurrect command, because it would play on my mind that maybe the NPC wasn't quite right after briefly seeing the afterlife waiting room (plus the command may have issues).
I fast travel, simply because after 1,100 hours + in-game I don't feel the need to fight every bear from Riften to Solitude for the thirtieth time.
I'm just as nuts about my NPCs, I had to restart a file because I was being plagued with random creature spawns when I would visit cities. Trying to keep the stable hands alive when half a dozen monsters spawn, including three dremora is basically impossible.
As far as dragons though, even before I got lazy and started fast traveling I'd see dragons landing on rooftops of smaller villages. They'd land and for some reason every farmer in the region thinks that they can take on an elder dragon with a dagger... All you'd see is farmer corpses flying this way and that, guards (if there were any) shooting arrows from afar and my head banging against the keyboard.
There really needs to be a script in place that tells weak NPCs to RUN from a dragon, not to commit suicide by darting right down their gullet. These morons might as well slather themselves with barbecue sauce and carry bowls of potato salad around with them.
When my NPCs die, I reload every time as well it's almost maddening sometimes.