tbf sometimes hairs have a stripe on 'em in addition to being tipped, if i'm remembering right (thinking about cat patterns...)
but yeah they do tend to be pretty simple. and also, yeah, afaik you're right that there's still room for fancy patterns, because even if you can't cram it all onto a few hairs, if you have a good amount of short (or maybe long, but it gets a bit hard to see the pattern) hairs you can just put different stuff on each of the hairs and voila, you've got room for all sorts of fancy speckles and stripes. but it's just... not a thing ??? closest i can think of is ticked (wild-type) tabby cats, and that's less of a Fancy Speckles And Stripes thing and more "hey guys check out how hard i can disrupt my markings *turns them into a fine mist*"