I know this is focusing in on one point and not the large question. But dragons and armor seem impractical. It would be very expensive to make a set of barding for a dragon. Especially since dragons continue to grow as the get older. For the same reason creatures molt, armor is impractical. They could use it for a short while, but then they'd outgrow it and would have to pay to have another entire set of armor made. Rinse and repeat and that's a good chunk of their horde