I think I recall Greebo telling me he leaves a little bit of the "baked in" effects in the diffuse map, but has the majority of the effects coded in the appropriate map. Is that OK?
And I think it was Devil505 in one of Vraciu's threads who talked about the Normal map not being able to handle very fine, shallow depressions - that these show up as blocky areas on the skin in game, and that he was going to continue to show fine, shallow depressions in his diffuse maps. I think the example used was the B-29 skin.
I also think you said it was caused by a bug, and its on the list to be fixed?
If all the depth effects are handled by the normal map, what will a skin look like for a player who turns off bump mapping to maximize his frame rate? Will he basically see a flat skin?