I don't think the station lasers are entirely insta-death, just probably multiple gigawatt lasers. Which still fits within the lore as mentioned , imo, where a station could conceivably have bigger and more powerful power generators. The panther clipper in elite3: ffe could barely carry a GW laser which could cream most smaller ships quickly. I personally wouldn't care to go through multiple rebuys on my cutter to attempt to test and ascertain what the general dps rating of the station's lasers are.
Colliding into skimmers/goliaths is more of the insta-shield drop. Maybe due to some shield module damaging properties like the reverb effect torpedoes, or maybe not.