[2022] Camo rework - Am I misunderstanding something?

We converted the Service Cost Reduction to a higher +Credits% amount. For the Tier 10 permacamo the bonuses were changed from +20% Credits to +50% Credits, which is a slightly higher conversion that we did at other Tiers. We also altered Credit Earning a little to make it easier to earn up to the 200k amount referenced above.

While yes, a random Detonation or 0 damage game would result in more of a credit loss than with the -50% Credit Reduction, the +30% Credit difference and reduction of 30,000 off the old Service Cost should work out for you.

I don't know what you mean by "The WOT team came to wows"...

The WoWs team is separate from WOT because we are different games.

Camos are not useless, unless you feel that aesthetics of any kind are inherently useless. Choosing how you present yourself in-game visually has got to be one of the most common things that any modern game features: expression.
If that's not worth it to you, then don't do it.