I felt similar at first, but I'm still going to attempt my original plan and just adapt it to the location if/where needed. I'm determined to work with what we're given—and optimistic that the added challenge will just inspire my plan for the better!
My towns are never exactly themed, but I do like combining different styles by splitting them into separate areas. The countryside district (think rural Europe—with quaint cottages, hedge-lined fields etc.) I had planned would clash with a palm-treed beach, but I'd hate for it to be forced into the upper level of the map as well. My current idea is to divide the beach (some "tropical", some not) and hope that'll create enough visual distinction.
That's a cute little idea! I think you can pull it off!
I actually wanted my town to have a story and have an inner city look. But I might go the route of a Jungle and if I get another switch I may experiment~