Something to add stakes to fighting is for wyrms to take your stuff to their nest, the nest functions as a dungeon and you have to fight your way through many wyrms and then battle their queen. The queen wyrm is a decently difficult boss that will need a decently kitted group or a very kitted duo or maybe even individual. Once defeated, the chamber the queen was guarding will open, there you’ll find all the stuff of the people the wyrms stole from as well as a large cache of food. To keep new players from having their stuff stolen and never getting it back, the wyrms in the mines would not steal stuff. Wyrms will spawn in crop fields once farming is added and they will pick the produce being grown and take it back to their nest. When farmers try to kill the wyrms and die from lack of gear, they will hire warriors to snuff out the wyrms, adding more of that economy type stuff where your job matters. Perhaps feeding the wyrms by dropping food outside their nests will slightly decrease the amount of wyrms that appear on the surface. It’s like the townies are being leeched off by these wyrms and a brave warrior party will venture into the nest to stop the onslaught.
Edit: Getting wyrms out of crop fields would be good guild quests, so would defeating the nest.