Picture a plumber in a mid-sized town who sets a 25-mile radius around the shop and leaves the location setting on default. Search and PMax start pulling clicks from a city 40 minutes away where the crew never goes, and the call log fills up with "do you service Riverside?" calls the business can't take.
The default is usually the culprit. "People in or regularly in your targeting location" sounds safe, but for a service area it also reaches people who are just passing through, or who once had the town in their history. Switching to "presence" only and excluding the far towns usually cuts the wasted calls more than any bid change does. The catch is that volume drops, so you have to check whether the leads you keep actually book on the phone.
Anyone running service-area businesses seeing the same thing with location settings?