Settled Terrain

What is “Settled Terrain”? You check for wilderness encounters less often and have encounters less frequently in “settled terrain” (p. 244), but it’s not clear to me what qualifies. My first thought was cities and towns and villages, but “City” is its own category, and since you don’t see back-to-back hexes of towns and villages, checking once per day and once per hex would be the same either way.

Does “settled” here mean “civilized” (p. 125), or maybe “part of a domain”? Come to think of it, if you’re in a civilized or borderlands domain, are you still checking for “wilderness” encounters?

Anyway, thank you.

Settled terrain is a hex within an adequately-garrisoned domain. (Note that garrisoning a domain costs more in borderlands and wilderness).