Morale - Bravery

When developing Non-Player Characters, one of the factors to determine is Bravery.  GG defines this on DMG 102:
To randomize the attribute for an NPC, two methods are given:
PERSONAE OF NON-PLAYER CHARACTERS - TRAITS TABLES on DMG 101:
And NON-PLAYER CHARACTER ENCOUNTER/OFFER REACTION ADJUSTMENTS on DMG 102:

Interesting insight in an unlikely place, DMG 82:
Seems pretty clear to me that +1 Bravery equals +5% an Morale checks while +4 Bravery equals +15% on Morale.  However, we know from the Reaction adjustment table above the max % adjustment is 20%, so how would you tie these together?

If the descriptions from the Traits table were combined with the possible Morale adjustment percentages and ordered them may look like this:
1. Foolhardy  +20%
2.  Fearless +10%
3.  Brave +5%
4.  Normal 0%
5.  Normal 0%
6.  Normal 0%
7.  Cowardly -5%
8.  Craven -10%

If we look at as a sliding scale similar to the description in the Intoxication section, if works nicely with the Morale modifiers listed in the MM for creatures such as Hobgoblins, Brigands, Tribesmen, and Orcs (below example from MM 76).

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