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I'll start with the obvious one, I live in a very urban area. Our crimerate is probably higher than average, but not obscene by any means. The most I've had to do is make sure my wallet is put away when walking around - but mostly it's standard "city mode". Don't make eye contact, don't engage - standard for any urban environment.
When my rural and suburban friends visit though hoo-boy am I exposed to the fear they're pushed. They think every step is terrifying. "Wouldn't it be safer to take an uber?" (vs getting on the train). "Are you sure it's safe to eat here?" I've had conservative family call me to ask if I was "safe" during political protests - that happened 10 miles away from me in a single park, lasting for 2 days - claiming they saw "<> is on fire, I saw it on the news!".
It always amazes me how people who don't live in my city keep trying to tell me how I'm wrong about living there. It's completely arrogant.
Conservatives use the word "urban" as a dog whistle for "minorities," probably most often black people.
But anyways, as to your point, even if an urban area has a higher crime rate, it's inevitable because of the density. If you take the same number of people and cram them more closely together, there will always be more crime because the people interact with each other more often. More chances for crime usually results in more crime.
But the conservative mindset is also completely wrong about what to do about it. People usually commit crimes for a reason. Like you steal something because you cannot afford to buy it. Conservatives want to stop crime not by looking at the reasons people commit crimes and looking for ways to solve those issues, but by trying to scare people into not committing crimes. But that doesn't work.
Conservatives are wrong about pretty much everything. I don't know of a single problem where they have a sensible policy. They're worse than toddlers.