Should you drive around town with the gear shift located in overdrive instead of drive?

when ur driving in the city it is adviced to put gears in drive rather than in overdrive position..the reason being overdrive is a system that allows your gears or drivetrain to use the lowest gears /ratio for fuel saving cruising, with it off , it holds to a higher gear ratio so you have more power and torque to tow or climb hills..but it prooves to be horrible while driving in the city..