Which brings up where the upper limits are for the PC’s.
< rambling thoughts >
How much is that is determined by the genre of the urban setting?
(D&D frame of reference)
So, if “Urbanite” were a character class, what are the class features available to the character? How do those class features interact with the urban setting in a way that makes the class worth bothering with?
Likewise with a “Builder” character class.
Any specialized downtime options available for the character classes?
If becoming Mayor is a possibility, what’s that worth in the game’s setting?
Which iconic NPC’s have impenetrable plot armor?
< /rambling thoughts >