The thing is there is some URD cable , or at least it's referred to as URD that has the RHH/RHW-2 rating in addition to USE-2 and that makes it okay to be inside. Typical URD or sometimes called secondary underground power distribution cable is only USE-2 rated. Also the conductors on URD are marked only as multiple phase conductors plus one neutral conductor, there is no identified grounding conductor.
I don't know how you professionals keep this stuff straight ! All multi-conductor cable is made up of multiple single conductors (Duh !).
Southwire mobile home feeder consists of four quadruplexed type RHH or RHW-2 or USE-2
But if URD is USE-2 rated, why can't it be run in a conduit above ground like MHF ?
Anytime I try to learn more about these type of questions I usually give up. The only thing I do find is that MHF seems to be the "best bang for the buck" when wiring up a detached building from an existing structure with a load center that can accept a 90A breaker !
Sparkys correct me if I am wrong, if you absolutely have to go more than 90A to your other structure, you are going to need a meter base with dual lugs
OR an outdoor disconnect right off the meter.