Guys, this doesn't have to be a stealth camping debate. The guy just wants some advise for his game...

My take on it:
You can stealth camp anywhere, but in a town with a population greater than 3000, the chance of not getting enough sleep or being ousted increases. Stealth camping in any town has a 15% chance of providing you with a free meal(friendly stranger offering you a meal or bringing you some energy bars), and a 2% of theft - maybe more if you want to include a 'Raccoon steals your breakfast' possibility. I think it would be fun to put in a 'find host' option with a 50% chance of success in towns with a population over 5000.