Not looking to get yelled at but - just because everyone here does it, doesn't make it the right thing to do. It just makes it the easiest thing to do.  That said, you can get good results using the easier method, so...whatever.

Dosch Designs has some nice - minimal specular burn - images to use as texture resource but they do not allow redistribution of any kind, including textures created from their sources. 

Why not make a color map and let the bump map do all your work for you in terms of detailing/catching light? That way, you don't need to really worry about things like burnt in specular. I don't know what paint apps you have but it's easy to do this in apps like ZBrush - take a classic airbrush approach to the color map and then create your bump map using ZBrush. You can do your fine wrinkles and pores there pretty darn quick.