Phil's are more for operational challenges then anything approaching "Prototype". I very much enjoy Phil's work, but IMHO few of his things, as delivered, would ever make someone think of the city they were born, raised, or went to school in..... His scenary is more about functionality to the Operations, even if its just as a backdrop, then anything else. Its great stuff, but don't confuse it for a modern large city. That said, if you haven't checked it out, please do so, and maybe you'll find its to your liking.
NCTD Oceanside by Robert3a0 (I think its being collaborated with "Brendansbiz", but not sure) is a small part of what I think is going to end up being the majority of the Surfliner Route from southern-Mid-California. Theres really not much "Urban" in what was released either. More "Sub-Urban", and if you've ever seen or ridden that route, theres loads of houses and sandy beaches, and even agriculture. Most of the Urban would be around like LA and San-Diego and those weren't included with whats been released. Further, as I understand it its a WIP still as well. Though what's been done so far is mostly well done, and I really haven't seen many routes like it (Though one must point out that I can think of no other routes that are anything like the Surfliner with the possible exceptions of the NEC and parts of FEC's divisions, someones already made adjustments to NCTD Oceanside to replicate the FEC in Southern Florida, though I think the Ocean is on the wrong side, as it were....).
As long as you're ok with a more sub-urban feel though, you could also try Dericm's(Sp) Michigan Train Routes routes (Sounds funny huh?). He models big chunks of old Grand Trunk Western Sub-Divisions at a time. I don't think he's gotten quite into any of the big cities yet, but I know he has a bigger map he released awhile ago that has tons of sub-urban, approaching Urban (Think large town-ish) areas.
The B&O/WM Megaroute has some Urban-*ISH* areas in it, but those are not the highlight of that route. The detail level in the city(s?) is rather low, and since they tend to be on the end(s) it just feels like the cities didn't have alot of time spent on them. In places the track work isn't even all laid out or joined up together much less ready for screenshots....
Kinda Depends on what you're looking for. If you're looking for the PRR in NYC/Chicago, we ain't got it. Though we do have tons of Sub-Surface Urban routes, just look for the Tram/Subway folks, they're around. We have some "Urban-*ish*" small routes hanging around, switching challenges and the like, (Look into, I think its called Emily Harbor? Emily Bay? Port Emily? I don't remember, Emily something, though its along similar lines to Phil's work).
The problem with Urban Routes in this sim are 2 fold. The first part is a lack of talented route creators with the interest and drive to actually finish and release an Urban route.... The ease of use of the CM is a boon and a Curse. Its a boon because its easy to use... The curse is that its too easy. Tons of people come in here and announce "Im going to build THE WORLD! It'll have JR Everything, be super detailed, Trans-DEM, and come with Every Locomotive and piece of Rolling Stock Known to man! Oh, btw, can I haz Custom assets, tranzdem, and JR downloads plz?". This attitude invariably (Litterally, without fail, every time), turns alot of content creators off from helping them. Can't say I blame em, but it means theres really not alot of directed content hanging around either (With some notabe exceptions, Tume and BenDorsey (Mr Bridge Maker himself) come to mind, but Tume Creates for his own Routes, DaveSnow has also done alot of smaller town buildings). Anyway, point being, its ease of use encourages people that have never attempted such huge projects to try, and they almost always start too big, ask too much, and disappear in the sands of time after several months.
The second is Content, and this one has sub-issues. The first is a distinct lack of decent urban assets (City Buildings are much bigger with a much broader range of details and "Feels" that set each city, and most buildings within each city, apart, which makes modeling them hard. I don't feel many have really tried since DMdrake disappeared, and his stuff is very outdated at this point). Speaking as someone thats spent countless hours looking exactly for city buildings and what not at this point, its really discouraging.....
The next bit is peoples ability to use whats available. Even this can be broken into the sub categories of "Managing available resource usage", which is an art unto itself in this game. Knowing how and when to use splines to save on system performance is a small but important part of route building....
Then you get people's endurance to map out and plink down enough assets to create a convincing Scene, much less an Urban one. Which btw figure is going to have somewhere over 10 times the amount of objects a Rural one will. Theres lots of desert routes in this game because deserts don't have alot in them and as a result are pretty easy to model.....
Finally for Content is working knowledge of the asset/Database library.... If you're looking to replace "That building", you need to know what might work there and the only way to do that is to have some idea of whats out there. As of the Radio Show this morning, my CM has about 360K known assets listed. Up to 40K of these are non-DLS items (which is a whole nother ball of wax if you ever want to release a route). Last I knew I had about 115K-120K installed Locally (The game comes with about 25K on a virgin install, and 50-70K is what most average users that have been around for a year or more have). The task of familiarizing yourself with these assets is daunting to say the least..... And the slower you are at figuring out what you want in a place means the more time its going to take to fill the hole you're trying to fill..... This can be frustrating to say the least, particularly to the inexperienced or new and is big reason why starting small is best.
Anyway, stick around, learn about route building. Maybe you'll be the first to release a highly detailed full sized city! Assuming the last half of this wasn't depressing enough..... Thanks for reading though if you did.
Falcus