I have always avoided plopping a town right on top of a resource, and I've always put towns adjacent to the research. That's because as a noob I was worried that I would lose some of the value of the resource. So for example there's a grassland with a tobacco resource, showing 3 food and 5 tobacco. I can add a farm and an expert tobacco planner to jack that up considerably, but what would I get if I built on top of it?
[Edited to fix aphasia.]
[Edited to fix aphasia.]
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