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Very detailed, and that explains a lot, thank you.
There's a few other weird situations that can come into play too, like mailing addresses, census designated places, neighborhoods, etc.
My town doesn't have its own post office, so my mail gets handled by the post office in a neighboring town, so my mailing address says that town instead of the municipality I actually live in, so more often than not if I have to give out my address that's what I'm saying.
I also live in a 'census designated place" basically an area that's officially recognized as having its own identity. It's basically just a fancy nickname for my neighborhood, so some people in this area will say that instead of the name of the municipality or the mailing address.
It's actually pretty rare for anyone to give the name of my municipality when asked for what town they live in unless we're talking about local politics.