Personally, for toon figures, I think procedural textures are best for everything except second skins. but if I put the figures out for sale, I ought to use whatever methods are most flexible, to give the user the most freedom to choose how he wants to use the figure. I think with that in mind multiple maps are probably the best way to go. Of course, I could include differently mapped obj, DAZ studio even allows you to load multiple UV sets. I just hate to bloat the file size with options most people probably wouldn't use. Maybe an alternative UV set as a free UVS file ?