I'm changing the keywords but this is an actual example.
You have phrase match "seattle mountain bikes"
And you have in the same ad group exact match [mountain bikes]
The exact match should also match for the search: seattle mountain bikes as Google sees the search location intent in the query because of the city name. But the phrase match is also going to match. Coincidentally, the current quality score is 7 for the phrase match and 5 for the exact match! This would lead me to believe, even on location intent only targeted campaigns, you should also include keywords with the location name for the potential of a better quality score.
The bigger question is which match would Google select to send to the auction consider the user types the word Seattle, the phrase match with Seattle in it or the exact match? (assuming Google never sends more than one match from within the same Ad group to the auction of course.)