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The saves will be much better, at level 10 a 15 SR will be mostly useless. You might be able to stop a few very low level casters but not much. A reflex of 19 will mean that you can dodge the dragons breath weapon most often and with your evasion you should be doing fine. SR is not often good for players as it can be difficult to get and generally does not scale well (save for a few cases such as noble drow)
SR 15 is really not very high and is easy to beat. I would go for the saves.
on the other hand as a DM i like to sprinkle low level casters into my encounters - not every group of bandits has a caster equal level to the PCs, but can probably muster a 3rd - 5th level sorcerer or something - and SR15 could be fairly useful in that situation.
SR 15 at level 10, Making that CR5 mage in the group of 30 brigands suck half the time: 350,000 gp.
Making the save 95% of the time: priceless.
For everything else, there's master card.
The saves will be much better, at level 10 a 15 SR will be mostly useless. You might be able to stop a few very low level casters but not much. A reflex of 19 will mean that you can dodge the dragons breath weapon most often and with your evasion you should be doing fine. SR is not often good for players as it can be difficult to get and generally does not scale well (save for a few cases such as noble drow)
Why does everyone forget this: Hardy (and steel soul) protects against spells, spell-like abilities, and poisons. Breathweapons are supernatural abilities, and as such are unaffected. So remember, if it isn't spell or poison related, the saves are: For +16 Ref +14 Wi +13 (I assume; I am not entirely sure where this is all coming from, since I haven't seen the build/equipment).
I will say though- high level dragons also tend to have a ton of spell-like abilities, or cast like a spellcaster. Hardy seems far more reliable, and it is not like SR is protecting you any better.
The SR is a bad choice. It will likely give you some 20-10% resistance vs. Bluffs and it will do very little to save your backside from Dragons.
SR is always bad against outsiders, who almost universally have a higher CL for their spell-like abilities then their CR. Against dragons however, who have few spell-like abilities but cast spells, SR is more useful (as much as SR can be useful) because dragons' CL on their spells is much lower than their CR. To use the example above, the adult red dragon with a CR of 14 only has a CL of 7, so if a 12th level character with 10+level (22, in this case) goes up against it, the dragon will need to roll a 15 or better to beat the PC's SR, a mere 30% success rate.
so if a 12th level character with 10+level (22, in this case) goes up against it, the dragon will need to roll a 15 or better to beat the PC's SR, a mere 30% success rate.
Unfortunately the OP is looking at SR 15.
Go with the saves.