I still think charactrs are too competent for horror. Horror vibes like Buffy or whatever? Sure.I don't think horror would require much fighting tbh. Rolls with fear alone and taking away PC armour cause a lot of panic.
I did not take it as "Urban Fantasy" since the world "real" was used twice. But yes, you probably would not need to change much to run Dresden style urban fantasy.And Urban Fantasy isn't that different from cinematic fantasy.