I would rather have something of a middle ground between a pre-fab town and straight tables.
How about a few pages that talk about the essentials that belong in a town (or city, or village)? How about something that touches on politics, economics, religion, and other social constructs and how to set those up logically? How about a bit about how adventurers and magic affect and change those constructs? How about expanding that to countries and kingdoms? Does that sound at all appealing to anyone beside myself?
After all, I am neither a sociologist/psychologist/anthropologist, or a history scholar. I don't know a whole lot about how a pseudo-medieval town would actually look, except for what I've gleaned over the years from roleplaying and reading fantasy. So I think that would be a whole lot more useful than either a prefab or tables.