>>96208866
It's not really the upper end of the bonus that bothers me so much as the huge penalties for taking it anywhere outside of the intended terrain. Disruptive patterns in mostly neutral colours shouldn't be giving you an overall penalty outside of extreme environments.
Notably, compare camouflage clothing to natural camouflage: a tiger with Limited Camouflage (Jungle) gets +2 in jungle, but no penalty in grasslands or temperate forests, while a guy in tiger-stripe camouflage gear gets the same bonus in jungle, but -1 anywhere else.