Answer Number 2.
This question is meaningless. The world exists as a backdrop to a plotline. Asking what happens to villages when the player characters are not around is like asking who fought Sauron's orcish hordes during massive sieges at Helm's Gate in the years before Legolas and Gimli were born. No one did. Sauron didn't HAVE orcish hordes back then, and he didn't besiege Helm's Gate. For some odd reason, the main characters and the plotline coexisted. Huh.
From this perspective, the wilderness between towns isn't so much filled with deadly monsters as it is mildly dangerous and mostly unknown. When problems arise that need heroes to solve, they will coincidentally arise nearby the player characters. Because otherwise the game would suck. Maybe lots of other would be heroes dealt with a local orcish tribe, or cleaned out an ancient cursed tomb, and then once the village was peaceful since they solved the only major problem nearby other than random low level bandits and wolves, immediately went on to settle down, marry a local girl, and grow fat and old.
That's fine. This isn't THEIR story.