You're right and I think they're the things that we as the general public probably don't often consider when discussing urban centres - I certainly hadn't.Urban density is invariably brought up with its obvious disadvantages but a more balanced assessment would also bring up things like how quickly people can get to hospitals or testing centers, ability to work/order goods from home, many rural areas have higher % elderly residents etc.
Still, on the balance of probability I suspect it's currently a greater disadvantage living in a densely populated area rather than even within a metropolitan area.
In some of the poorer areas of Liverpool for example, you have mass terrace or communal houses and a reliance on public transport to name just two.