the only thing 'universal' acu camo blends in really well with is the night. Seen it in cities, forests, deserts, mountains, etc and its fairly noticeable. At night it just appears like grey mist though. Would not worry about lack of day visibility, but I would add a lot of 3M reflective tape on sides and rear. Maybe some extra red LED lights...
Thats what I wear to work so I could not do up a bike like this. I like tan / black or flat green plastics with black frame