There are more ways than one to encounter a dragon. With a low level group it's obviously not feasible to meet one in its lair and fight it. But standing on a bleak moorland, utterly exposed and vulnerable, it can be a chilling experience to see something flying far far overhead. Something that could just be an eagle, but you never know...
The PCs are setting up camp at the end of their first day of walking through the Esh-Inel Mountains, when they hear in the distance a low rumbling, like thunder. It grows progressively louder until it echoes off the mountainous bowls around them, then dies away again. At its worst the ground starts trembling. It happens every day at this time, and it is the noise of the Great Carts on the dwarfish underways returning home after a day mining, laden with many tons of ore.
Ursula is a were-bear; she and Stewart, the bailiff of a rural feudal estate, are lovers, sharing all their secrets as lovers often do. Recently something has been taking livestock. *He* must deal with suspicions that a bear is involved (one has been seen nearby...): *she* must defend herself if it is revealed (perhaps by a jealous suitor, perhaps accidentally) that she is a lycanthrope. The adventurers might be called in to track the hungry beast(s) and discover her secret, but be able to reveal that the culprits are a small pack of wolves that has moved in to the area. The adventurers might earn the gratitude of both Ursula and Stewart, depending on what they reveal, and to whom.