Stuart, while you're correct that MAD was not an officially used acronym for US policy, and that we don't deliberately target civilian populations, there is little doubt that civilian populations
are targeted in nuclear attack/defense scenarios.
First, a bit of background on the doctrine (from a
Wiki Article, which has credible source material):
After WWII, John Foster Dulles articulated America's nuclear response as "massive retaliation" under Eisenhower. Good ol' McNamara later articulated MAD:
It was only with the advent of ballistic missile submarines, starting with the George Washington class in 1959, that a survivable nuclear force became possible and second strike capability credible. This was not fully understood until the 1960s when the strategy of mutually assured destruction was first fully described, largely by United States Secretary of Defense Robert McNamara.
(bold added).
In 1980, the Carter Administration changed the approach to "countervailing strategy," again quoting from the article:
According to its architect, Secretary of Defense Harold Brown, "countervailing strategy" stressed that the planned response to a Soviet attack was no longer to bomb Russian population centers and cities primarily, but first to kill the Soviet leadership, then attack military targets, in the hope of a Russian surrender before total destruction of the USSR (and the United States).
(again bold added).
The debates over Strategic Defense Initiative projects clearly indicate that MAD was a concept that was accepted by nations across the globe.
Regarding the deliberate targeting of civilians: I do not know enough about Russia's military structure to judge which of their cities have nearby or in-city military facilities, so I'll address one point of our doctrine that DOES include the targeting of civilian populations. Our "planned response" from 1980 and IIRC still in effect, targets Russian leadership first, then military targets. The seat of government in Russia is Moscow, where the Politburo, KGB, NKVD, and military service headquarters are located (I may have missed one or twelve others

). Moscow has a population of 10+ million, and they would probaly not have time to get everyone into civil defense shelters unless Russia launched first.
I'll illustrate my point with some cities in which I have lived. Here's a short list of military targets in urban or suburban areas:
1) Washington, DC - Baltimore Metro Area: Pentagon, Congress, White House, FBI, CIA (Langley VA), Quantico (VA), Treasury, Federal Reserve, Andrews AFB, NSA (Fort Meade MD), NRO (Chantilly VA) etc. etc. A strike on US civilian and military leadership would target upwards of 8 million civilians.
2) San Diego, California: MCAS Miramar, MCRD San Diego, Camp Pendleton, Point Loma Naval Base (surface and subs), Coronado, SEAL Team training and on and on (total of 16 military facilities). Civilian population of San Diego County is around 3 million, with about half the population in San Diego proper.
3) Atlanta, Georgia metro area: Dobbins AFB, Fort McPherson, Centers for Disease Control (valid target in all-out CBN war), population of around 5.5 million.
4) Tampa, Florida: population including St. Pete/Clearwater is around 3 million, it's home to CENTCOM, SOCOM, MacDill AFB, and the busiest deepwater port in the state.
Needless to say, in any large-scale nuclear exchange I would expect a massive loss of life on both sides, simply due to the proximity of civilian populations to military and strategic targets.