From my experience, the easiest route to go with Ruthenium is to just put it on a Poncho that you can wear over you combat loadout and then chameleon any big weapons you have.
I would have to imagine that most of the outfits people put it on (Urb. Explorer, Full-Body Armor, SWAT/Riot, etc.) have a webbing/pouch system built into them to a degree. Even the basic chameleon suit would have to essentially have "pockets".
That said, I would probably let players use the chameleon coating mod for backpacks, rucksacks and the like. Maybe even whole pouch systems.