Thanks.
I'll be on the lookout for a situation that takes undue advantage of a surrounded fragment. In the meantime think about the situation where a township has two sizable fragments of roughly equal population, one of which is wholly surrounded by a city but the other sits on the perimeter of the same city. Those two parts both get their services from the same unit of government, the township, and form a clear community of interest based on that township. Shouldn't there be an incentive to keep the two parts in the same district? Compare that to the case where the same two fragments aren't fully surrounded and there is an incentive to keep them whole.
Prairie Township, Franklin County, Ohio is an example.