aaron,
What your asking for is difficult for anyone to answer for you. If this question was easy then selecting the one "best knife" for your application/environment or one best "firearm" et al would be easy. This is something you'll have to figure out on your own. The question of developing the one best universal camo has plagued mankind for a long time, and in modern memory since WWII. Opinions on camo are like elbows and everyone's got one. I'm going to throw out a non-conventional wisdom alternative for you to consider. It will not be popular, easy, or "chicks dig it cool". But it will be based upon what has worked.
Here are some basic principles:
> For bug out...you want to avoid drawing attention to yourself. If you decide to dress in camo and are spotted you're immediately targeted as "that guy" in a non-hostile or even a hostile environment. Which under a SHTF scenario could be either one (hostile or non-hostile). If you go out camping practicing bug out and are decked out in camo then you WILL be labeled by on-lookers as "that guy" and will be held under suspicion "what is the guy in Army camo over there up too?" Granted this is not an issue usually during hunting season but that only lasts for a short duration of time. Your objective is to not draw attention to yourself.
> What you're really wanting is to become not invisible but "blending in." That means walking/leaving an urban area for the wilderness and/or returning for supplies/comm/whatever you'll be immediately ID by your camo. So in order to blend in...you must become a gray man. Meaning just wear normal clothes everyone else wears but in neutral or natural colors - greens, browns, some gray, and even shades of blue. Wearing blue jeans and a flannel green with brown stripes shirt will not draw any attention to yourself in an urban or rural environment. And it will blend in as well (especially if you've made a good selection as good as any commercial camo). I realize it isn't really "cool" but it is pragmatic. Go to a Salvation Army store, buy cheap oversized (one size larger than you for layering) shirts and experiment.
> Learn the principles of blending in, learn how to use available natural or man-made cover and concealment (urban and wilderness), shadows, tactical crests of hills, how to travel off main roads, how to get water from non-populated watering holes etc. Use dirt and natural materials to make a Yeti suit. Get some 1" x 1" netting and make a ghillie blanket to drape over you when you need it. Learn the skill of camo, deception, stalking, tactical movement.
>If you must have a commercial camo...then here is my suggestion...first ignore anything we said (including myself). Go to a surplus store and/or Salvation Army and buy handkerchiefs in every "recommended" camo you can find. Included in this are some of my suggestions (clothing in natural colors) Go out into an urban environment and wilderness environment (at different seasons and different times of the day) and drape them on branches, grass, ground, trees etc. Step back 3 yards and observe (and take pictures). Then move back 15 yards and do the same thing. Then move back 50 yards etc. You will immediately notice some camo sticks out like a red shirt, others like a black shirt on a yellow background! Other patterns/materials will not seem 'right' and then two to three will be 'okay, alright, good 'enuff'. So, narrow your "one best camo" down to a short list of two or three that are "doable". Then find a buddy...go out ahead of time and place the items and then ask this non-bias friend to look for the items in a given amount of time. He/she should not be able to easily discern them. They should have to look for them or question what they see. Wahlah...you've found what really works for your environment "best universal camo".
> If what I've suggested is too much hassle, time, and energy invested and you just want a universal camo then disregard what I've shared and look at Multicam, Natural Gear, or Kryptek. These three patterns have done well in my urban and wilderness testing as I've outlined above. None are perfect but they work well. Good luck.