Here's my completely arbitrary list of settlement types:
Cities: New Atlantis, Neon
Towns: Akila City, Cydonia
Smaller settlements: Hopetown, Eleos Retreat, Paradiso, New Homestead, Gagarin, Crucible
Staryard/stations: the numerous naval bases and shipbuilding operations, the Den, the Clinic, ect
I'm probably missing a few, but what's noticeable this is a fair few number of settlements. Easily trumps Fallout 4, but it probably not as many as Skyrim's cities and it's minor villages. The game probably needs a bit more than what we have now. NA and AC need suburbs and ranches. It does not sell the illusion enough. Solitude had (non functioning) boats in its docks, and NA is near a big lake. Just dot some cottages here and there, take your parents fishing, that sorta thing.
Akila City doesn't feel like a capital of a major power, Hopetown is lmao. New Atlantis and Neon are very much the most impressive cities Bethesda has ever made. The verticality of both cities are very unique. Was talking to some other folks and the jet packs of the game are probably the closest we'll get to Morrowind Icarian Flight. Bethesda is just ONE step away from bringing it back.