There are a handful of bitmap file conventions, only one of which appears to be compatible with AH3 (props to Easyscor for that cherry). So as an experiment, I took a simple 4 mb diffuse bitmap from the export function in the OE. I then colored in that square will all yellow, and saved it in Photoshop with 32 bit, A8. That modified file can be part of a successful re-conversion in the OE to a proper shape (except now it's all yellow).
If I try to generate a yellow 32 bit bmp with A8 from scratch, it does not work. From all outside perspectives, the files are identical. Size, resolution, color convention, you name it. But the from-scratch file simply does not work. The conversion fails and dumps you out of the OE.
I couldn't let this go, so I tried something. I downloaded a hexadecimal file editor, and compared the headers of the two bmp files. Looking at the two files side by side, they are identical in every way except for a certain string in the file header. The bmp that works with AH3 is devoid of any information on the size of the file's raw bank of data (this is defined in offsets 34,35,36,37). The one that doesn't work has the correct size value (roughly 4 mb) in those offsets. Additionally, the file that works is devoid of any horizontal or vertical resolution info in the header offsets 38,39,40,41 and 42,43,44,45. The file that does not work has all of the correct resolution info.
That is the only difference between the file that works, and the file that doesn't.
I am tempted to change the hex values in the file header size and resolution offset locations to all 00's, and see if the image works. But before I do that, I want know if folks think I am missing something simple in trying to generate a bmp from scratch.