Hi,
does that mean you can never say just "I lived in NYC."?
Well, if you just walk into the room and say to me, 'I have seen Tom', I hear the focus on the present time so my instinct is to say something like 'How is he'? But if you walk into the room and say 'I saw Tom', my instinct is to say 'When?'
It's the same thing if you say 'I lived in NYC'. It makes me want to know 'When?'
Best wishes, Clive