"Photonic armor and the combined field system shields cannot be used at the same time, as the CFS shields will destabilize the photonic projections."
So CFS can be used but not while stealthing/camo
Wait, there was a retcon recently, standby
Okay okay, that recent change to CFS/photonics aside, you can not use CFS around unarmored individuals. I've used photonics in a crowded enemy civilian station before and let my players know that if there were any aliens that could see heat or sensors, they'd be toast. Thankfully it was just a civilian station.