Thank you for the reply.

This image is what i would like to aim for:

Give a lot of possibilities for details, though i do need to think of the way to make all those tiny details without spending insane number of polys.

For terrain, i'm not completly sure. If i would aim for post-war scene, i'd make some holes/craters from bombs, and if i will aim for post-earthquake scene, i'd like to make some nasty crack/opening in the ground, somewhere in the center, focus of the image.