As it stands right now in ATF/AATF, urban terrain provides concealment but does not provide cover. You can create structures that will provide cover, however the engine cannot handle, nor would it be practical, to model every individual structure within a battlegroup area.
I do feel that urban areas should provide cover as well as concealment, and am therefore considering the following idea. When modelling an urban area I would break the area into a number of similar sized blocks (probably based on the road network as boundaries). I would then create a single structure for each urban block and allow vehicles and dismounts to enter.
How much protection the block provides would actually depend on the type of buildings in the block.
Any thoughts on how this may or may not work?