Yeah You'd think it would look like car grills and store fronts.
On the other hand the "desert" camo worked great in Somalia, lets face it when all the structures are mad of mud bricks it pays to wear something dust-colored right?
Saw one of those "how to" shows where they proved woodland was better at night than black, again because it broke up the outlines of the body.
Real "urban" camo depends on the city. In Iowa it might be wranglers and a flannel shirt, in Boston a heavy leather pea coat and chinos, in Moscow.. well you get the idea. The whole "all black SAS/SWAT look is meant to be intimidating, rather than 'functional' in color.
Saw an unusual show about the Bosnian war where snipers shot at ANYONE wearing a uniform, or the color red. So the non-combatants often wore subdued blue or purple to go get water, etc. (sort of intentional non-camo) In fact some Balkan camo is blue and purples. Wierd huh?
On top of that, there has been a lot of changes in "Camo". Lets think about the Afghan war. Who are the good guys? The ones who wear watch caps with a big stripe of duct tape on them so they can be recognized from the air. Half our spec ops guys 'went native' to look like Afghanis, though when patroling they are spotted easily.. why? They "sneak around". Regular Afghanis just march around like they own the damn place.
Urban Camo: Lightly protective clothing that "blends in" to the surroundings. I'm thinking any "subdued" color collection of sturdy fabric clothes that let a soldier run and dodge and move in a hurry. Come to think of it, those afghan duds don't look too bad for that kinda work! Not exactly Brooks Brothers... but if it was made from the same IR scattering fabric as our high tech stuff is?