Our apocalypse took place in a mostly flooded, equatorial central Florida. We main holding was in the University of Central Florida (most of the players' former school and workplace) and most of the names were taken from the area:

Versity City (main holding)
Lockheed (military city)
The Strips (airport)
Inktown (home of the psychic tree squids)
Jessup (one of the highest concentration of alligators IRL, spawning ground of mutant gator-ish things in ApoWo)
Magic Kingdom (Disney's creeping fascist empire)
Drownedtown (flooded downtown Orlando)

Hey friends,
First of all, thanks for all the advice a while ago.  I don't think I expressed that enough. 
A bit of an update: Thanks to the advice here I didn't go through with my plan.  The gator attack happened, but I ran it using the battle rules (as if it was a 3 armored large gang) and it turned out pretty interesting. 
We continued along (using a few other suggestions here, most notably the ammunition shortage, why didn't that occur to me sooner?) and last week we had our last game.  For the climax we ended up doing something similar to what I had in mind for the gator attack.   
Right before the battle I told the other players that once they hunkered down into their positions, if they wanted to move they had to cross off something from my mystery list (in addition to rolling as normal).  Whenever they took any amount of damage, they could negate it by crossing off something from my list.  If they every failed a roll during the battle, they had to cross off TWO things from my list.
They didn't know until they had reason to see it, but each line of this list had a good thing and a bad thing (or in two cases just a really good thing).  Bad things included various NPCs from the enemy side, various NPCs that had recently betrayed them, and really good things that they enemies had.  Good things included things like 1/3 of the combined gang (that was there three times of course), NPCs they really liked, and (my favorite) "your favorite limb."  The really good things were an NPC child ward of the gunlugger and an unrequited love of the Maestro'd. 
I think there were 10 or so lines altogether.  My favorite moment was when it came down to the ward, the love, and your favorite limb/[npc turncoat] and the Maestro'd failed a roll on the last round of the battle.  He took a long time before finally choosing to lose his arm and save the ward.  He narrated saving the girl (I should note that the gunlugger and maestro'd characters sort of hated each other, so this was all the more heroic) from a grenade or something, but exploding his arm in the process.  The game reflected the meta-game decision, it was pretty awesome.
After the game I asked if that list was ok, and the gunlugger and maestro'd really loved it.  The chopper was less enthusiastic about it (he lost all but one of this 30ish strong gang), but he said he liked it too. 
Anyway, sorry for that huge block of text, but I'm glad you talked me down from using this a while ago.  It seemed to work really well as a closing to a game though (although very modified from what I had in my the first time).
Thanks again!

I'm thinking of doing something rather cruel next game but I fear I might be overstepping.  I thought I'd run it by you friendly forumers first.

We ended the last game with "And after that night everyone heals up and the city is relatively quiet ... until the gator attacks."

We also decided to start winding down the campaign (two or three more sessions). 

Anyway, my plan for next session is, instead of using history to highlight stats, I was going to have each player pick an NPC that is "important" to their character.  Then I'd pick one for that character too (using Hx as would be done with highlighting).

So then the four characters would have a stack of eight NPCs that are all important to them in some way. 

Then comes the cruel part:  I'd ask them each to pick an NPC from the stack that survives the gator attack. 

I want some of their cherished NPCs to meet their tragic ends to gear up for the upcoming climax and this seemed like a pretty good way to get their without forcing it too much.  Is that taking too much agency from them?  If your MC did this, would you hate or like it?

Thanks for any insight you can offer!

If you're sending out photo PMs, I'll take one too if you don't mind.

This sounds like an amazing idea.  Thanks for the names too while I'm at it.

Hi there.  I've had AW for a few weeks but couldn't find anyone to actually play with.  One day it dawned on me that the rules system would make a perfect device for a fledgling writer.  I just so happen to be a fledgling writer myself so I've been trying it out and posting the results over on my blog. 
--> //storyfriend.wordpress.com/

We have four characters set up in the remnants of my old undergrad college (Uni City, get it?).  I've been "playing" one character at a time as the protagonist (but they can and often do run into the other three "PCs") and writing down notes and rolls of what happens.  Then I prose up the notes and post them. 

Let me know what you think (and feel free to give me pointers/tell me this is a good or terrible idea).