A service business covering sixty towns with eight services has four hundred and eighty possible service-and-place pages. Nobody assembles that list by hand correctly.
Generate the full grid first
Cross the service list with the location list. Every combination appears, including the ones nobody would have thought to include — which are frequently the ones with no competition.
Then cut it down hard
Four hundred and eighty thin pages is a liability, not a strategy. Check real search volume for each combination and keep only those with genuine demand. That typically leaves sixty to ninety worth building.
The judgement the tool cannot make
A page only deserves to exist if it can say something specific about that service in that place — a real address, real coverage, real examples. Where you cannot write anything specific, the page should not exist, whatever the volume data says. That is the line between a location strategy and a doorway page problem.
Try it: Cartesian Product (Keyword Combiner) on SeoWolf's Notepad.