But I have the comparison set to my current config, and it shows an extra 20%-ish for my camo, which I don't understand. If either the garage or the comparison omits some things like crew, food, etc. then it's not made clear. In the garage I can hover my mouse over the camo value and see what things influence it, and the list includes tank camo, food, exhaust, etc. whereas in the comparison it doesn't tell me any of that.

Tanks.gg is pretty useless in this regard because it doesn't take into account crew skills or food, so it's not like I can get a third party viewpoint.

I do have a pretty bad crew, just got BIA on them now working on 6th sense and camo. Unfortunately I don't have any French crew books because I used them for my Bourrasque :(