Leaving aside the whole point that the term Urban Fantasy was coined to differentiate a fantasy from Epic or High Fantasy...these questions were off-base.
This wasn't the first time I've seen setting emphasized. In some writing books on description (which shall remain nameless), I've read description should drive the story.
|No. Both setting and description should serve the story, not drive the story.|
This means the story comes first and then you ask what setting and descriptions does this story need?
How about you? How do you come up with your settings?