The ability to predict electro-optical (EO) signatures of diverse targets against cluttered backgrounds is paramount for signature evaluation and/or management. Knowledge of target and background signatures is essential for a variety of defense-related applications. While there is no substitute for measured target and background signatures to determine contrast and detection probability, the capability to simulate any mission scenario with desired environmental conditions is a tremendous asset for defense agencies. In this paper, a systematic process for the thermal and visible-through-infrared simulation of camouflaged human dismounts in cluttered outdoor environments is presented. This process, utilizing the thermal and EO/IR radiance simulation tool TAIThermIR (and MuSES), provides a repeatable and accurate approach for analyzing contrast, signature and detectability of humans in multiple wavebands. The engineering workflow required to combine natural weather boundary conditions and the human thermoregulatory module developed by ThermoAnalytics is summarized. The procedure includes human geometry creation, human segmental physiology description and transient physical temperature prediction using environmental boundary conditions and active thermoregulation. Radiance renderings, which use Sandford-Robertson BRDF optical surface property descriptions and are coupled with MODTRAN for the calculation of atmospheric effects, are demonstrated. Sensor effects such as optical blurring and photon noise can be optionally included, increasing the accuracy of detection probability outputs that accompany each rendering. This virtual evaluation procedure has been extensively validated and provides a flexible evaluation process that minimizes the difficulties inherent in human-subject field testing. Defense applications such as detection probability assessment, camouflage pattern evaluation, conspicuity tests and automatic target recognition are discussed.