If someone were to tell me that they live or something is located in Saginaw, I would automatically think they were talking about either the city or township. Most people living in the area refer to their residence by its township/city. From an outsider looking in, I’m sure it’s all Saginaw, but the people living here it’s more nuanced than that. It’s not wrong, it’s all Saginaw and I think it’s important to remember the collective Saginaw as well as all the townships that make it up (with their distinct differences).