Multicam is in my opinion the only effective "universal" camo.
One downside to multicam is that its expensive. the pattern is designed by a company called Crye Precision, and although they license the pattern to other manufactures, its usually more expensive then other patterns.
Many Chineese companies sell knock off version of multicam, generally they look pretty bad, but there are a few really good clones I have seen.
If you are worries about pouch support, don't be. You can find MOLLE pouches in pretty much any colour or pattern you could want.
Heres an example of a full multicam MOLLE set-up
Also, if you like Multicam, but want to save some money, I know a lot of guys that buy actual multicam BDUs (the clothing part) and then use either CB (Coyote Brown) or OD (Olive Drab) vests and accessories.
Another thing to consider if you are looking for something with a little more brown in it would be the woodland pattern used by the marines, MARPAT. In my opinion it is a little less universal then multicam, but is still a great camo. Works well with CB (Coyote Brown) over top.
Heres a sample
Again, please excuse any typos or parts that don't make sense, going on 21 hours up; almost done this stupid project...