Hmm...I think I look at it differently.
Indiana Jones is always trying insane crap that by all rights oughtta get him killed. He somehow survives it.
Bufy and gang are poor planners a lot of the time, fall for traps all the time, and generally don't work together nearly as well as they could. Character death is really rare on the show.
James Bond engages in absurdly risky stunts and barely pulls them off.
If you're going for a high-adventure feel like these stories, then it's worth fudging to keep the characters alive. And it doesn't really reduce the excitement.
When I watched Raiders of the Lost Ark for the first time, I knew that Indy was going to survive the movie. It didn't make it any less exciting for me.
Similarly, I can enjoy a hair-raising chase, an all-out battle, or a death-defying stunt in a game without wondering whether my PC will survive.
Daniel