My 2 cents - do what you want, it's your layout. Advice is often worth what you paid to get it.
I concur with doing away with one of the hidden return loops at the top. With a crossover in front, all the functions of the 2 loops, except for possible staging, can be combined into one. Hidden track must be bullet-proof or you will regret the day you ever covered it. This means curves well above equipment minimum radius, and modest grades, among other things. Even with bullet-proof trackwork, you must provide at least some under-the-table access to all parts of the hidden trackage.
Second, unless there is a reason not to, you might consider reversing the relative location of the 2 branches at the town on the left. This would put the town scene up front, and the direct line to the hidden reverse loop at a lower level in the back - draws focus to the town and disguises/hides the reverse loop somewhat - could even be temporary holding/staging location.
Third, consider ditching the 2-3 shortest yard tracks. They appear too short to be very functional for the amount of clutter added. The longest yard track needs a crossover to the adjoining track about 12-15 inches from the stub end for an engine escape route for an arriving train. Is it possible to add about 6 inches (one car length) to each yard track by extending it under the stairs? Is there a double slip switch at the yard throat? If there is, I question its accessibility for what will likely become a critical derailment point for at least one path. If there is no double slip switch, some turnout arrangement is needed to make the yard switching lead functional. Otherwise, the yard switcher prevents any arriving train from using the yard until it is finished and out of the way.
The best way to analyze plans like this is to picture typical train operations at each location. Then check things like maximum train length supported by the siding, and the like, and make sure those are satisfactory. Remember hidden track is inherently difficult to access, but without access to every part of the hidden track it becomes useless.
My advice, but what your heart tells you is much more important.
