Urgent cares don’t do surgery. My preference is always ER if there’s a major injury that might require surgery.

A lot of urgent cares don't do much at all. Many don't even do X-Rays. Most are basically just there to treat very-minor, clean, uncomplicated, superficial injuries, and to tell you "yep, that thing you already knew is a sinus infection is a sinus infection, here's a prescription for antibiotics" when it's a weekend and you can't see a normal doctor, or the normal doctor's wait time is too long.