I personally think Urumi actually having an occupation puts her a fair bit above the characters that just feel like they'd be a random encounter in a JRPG. Said occupation adds a little to Gensokyo from a logistics angle, which I like.
Canon offerings, especially from the games, are almost always barebones in terms of in-depth characterization. However, I believe what can be interpreted (either from a character conceptually or the details of their role) and examined from what's given is severely overlooked. Homing in on specific details, thinking on what they entail, and how that potentially interacts or functions in the setting is a fun thought exercise, and I believe can lead to stronger writing in things like fanworks.
As someone who values writing in fanworks and helps from time to time on projects or fangame jams, I notice a lot of people I've worked with just think in terms of "What cool thing has this character done in an existing plot, and how can I do that, but again?" or "This character hasn't done anything cool (or is a PC-98 character), so there's no way they can work in anything, ever!". Also, I find that people think in terms of making a grand plot, when good character writing can make an otherwise mundane situation interesting.
To use Urumi for an example of homing in on details, there are questions that can be asked. Why is she generally peaceful now? Does she sell what she fishes up to the village? If so, how is she viewed? What else besides prehistoric fish has she found in the Sanzu River? (Seafood from the outside world is mentioned in a recent chapter of Lotus Eaters, and since Gensokyo has no oceans, this has been bugging the heck out of me, and I need an explanation lol).
I like her overall outfit design (the cow-pattern is way too on-the-nose though), but I really hate the Ketchup and Mustard coloring she has going on. Very saturated. I feel like having either a gold or a burgundy throughout her design and not both at once could help her outfit look easier on the eyes. Why is her tail red?
Admittedly, I think her Strange Creators of Outer World is pretty okay: