My urban setup consists of a TOPS Pry Knife with the TOPS Pry-Probe-Punch Tool. I added a leatherman.
Can't get much more "Urban" than that.
I have a couple of Fehrmans, including a Last Chance. However, those are my "outdoor" survival knives. Seems like that style is what most people are trying to talk you in to. Hey, they work great for wilderness survival, but they have some real drawbacks for urban use.
For urban scenarios, I would much rather have the TOPS system because that's what it's made for.
Becker makes a larger version of this design, the TacTool.
Or, get an outdoor knife, and make do with what ya got. Good luck prying open that steel door.