If Naruto isn't using Toad Senjutsu, he's using Rikudo Senjutsu. If he's using Rikudo Senjutsu, he's using Rikudo Sage Mode. What the cloak looks like is completely irrelevant. The cloak changing probably has something to do with the Bijuu inside of him. People need to stop looking at the cloak when the chakra cloak isn't a product of the Rikudo Senjutsu alone, it's also because Naruto has Bijuu inside of him. Jesus Christ.
-No pigmentation=No Toad Senjutsu.
Meaning he's using Rikudo Senjutsu. That simple. The cloaks differences can be explained in other ways. There is no possible explanation for Naruto's eyes not being how they are when he uses Toad Sage Mode. So people who think they have a point by looking at the cloak design should stop ignoring evidence that obliterates their stance.
Then there's the fact that with BM and BSM, the skin glows the same color as the chakra. That doesn't happen with RSM, but of course, people who claim it's BSM will ignore these two very obvious facts and try to stick with this chakra cloak nonsense.