Highland Logan,
As you yourself point out it is a tartan based on a ribbon, not the actual ribbon that we are talking about. I agree 100% if you didn't earn the ribbon you shouldn't go around wearing it. But we aren't talking about the ribbons or medals or other service awards. We are talking about something that is being created specifically to honor those who have earned the right to wear them.
If we can't wear a tartan because it is based on the ribbon where do we draw the line? If a tartan has too many colors found on the ribbon we have to pass it up? We can't wear the warrior tartan because it has too much purple and we didn't earn a purple heart?