This is just the way the system is setup - coverage of 0.5 and breakup of 1 gives you the equivalent of a "masking" or "alpha" setup for that layer, as you may be used to in other programs. It lets the breakup input fully control the surface layer distribution, whereas with a coverage of 1 the breakup input is basically overriden by the full coverage setting.
TG2 allows for a very broad range of settings which might be considered "outside the norm", but can let you create lots of interesting and unusual effects. Personally I think the default in this case may not be totally intuitive and it may change later, but at least you know how it works now.

- Oshyan