Dr Drud,
The added price for extra protection in the cheap rooms isn't a financial one, it is receiving less energy and health points while sleeping there.
Deniserio,
In principle, being a worker is far more dangerous then being a dueler. The only thing that keeps the risks in reality lower is the don't attack workers etiquete. Without a good tool to target those who breach the unwritten law to leave workers at peace most of the time, because they can get away with a abusable game feature, that is likely to change.
Our difference appears to be on how to forge the tool to counter it, I think your suggestion won't work and explained that the raison is the game activity it will demand.
Below I'll show why dueling is more dangerous then working in an environment with equal numbers of workers and fighters and absence of the unwritten don't attack workers rule due to absence of tools to enforce it.
Working: 60 minutes exposure/12 energy= 5 min/E
Fighting: 10 minutes exposure/12,5 energy = 0,8 min/E
Assuming the gains are roughly the same per energy, this shows that a worker is 6,25 times longer vulnerable for attacks while not sleeping then a fighter for the same gains. Being dueler is certainly not the riskiest job, because a fighter will be chosing most of his targets, while a worker is a sitting duck.
Regarding camping during war with my suggestion implemented:
Whoever decides to target workers before fighter during a war will receive more hits from the fighters. 'Killing' fighters first will reduce your own damage.
Whoever decides to target workers after the fighters are 'killed', wastes time & energy (up to 75 energy per attack!) on targets that bring close to no gains.
This is only profitable for a group of towns that want to collectively and coordinated make a point extremely clear to one single town. Otherwise it's never worth the investment. For that reason, I don't expect a group of workers hiding in hotels during war to be attacked very often.