Mini Settlers is a city builder that you can both enjoy and actually put down
You can't buy Mini Settlers right now, but I think you should play the free "Prologue" demo and wishlist the full game if you dig it. It's not quite like any other city builder I've played.
Mini Settlers is "mini" like minimalism. It is in the same genre, but quite far from, games like Cities: Skylines 2 (a choice with some proven merit). Your buildings are not 3D-rendered with real-time lighting. Your buildings are colored squares, sometimes with a few disc tokens stacked on them, tabletop-style. Your roads don't have traffic, but they have drivers (tiny squares) that take resources between nodes. When things go wrong, you don't get depressing news about pollution and riots; some people just leave their homes, but they'll come back if you fix what's wrong.
Mini Settlers announcement video.
Mini Settlers is not the game to play to satisfy your long-running suspicion that urban planning was your missed calling. In the (non-progress-saving) Prologue-free demo out this week, the mines and quarries have infinite resources. There is no "money" to speak of, so far as I can tell. Apple farms must be placed near apple orchards and water pumps by water, and the rest is up to you. The interface looks like a thought experiment in how far you can get from traditional city sim HUDs, but then someone implemented it.