Just had a random thought about the benefits/costs of visiting settlements, does this make any sense? (Per turn obvs)

/ = OR
/ = between

Town
+ 10 health
+ 10 smithing/combat/psyche/stamina
- 10 coin
Can purchase level 4 and below weapons/armour

City
+ 15 health
++ 20 smithing/combat/psyche/stamina
+ 10 magicka/enchantment
- 25 coin
Can purchase up to level 8 weapons and armour

Ruins/dungeon
- 0/30 health (depending on armour)
+ chance of 0/50 coin 
Can find rare/legendary weapons and armour 
+ 10/30 valour