I cut them all on the loose; Bump map, normal map, specular map, all of them.

Only Displacement and Alternate_specular stays, driven by the texture and procedural.
The mat room settings are in some posts above, and it's effect brings more realism.

Easy to set up, and very controllable in all aspects and light conditions.
You can even plug in SSS, and render with SSS.

And memory wise? You only have to load one texture.
Ok, I used an enlarged texture in my example, but it works on normal size textures also.

I complensate Lo Poly by using a higher resolution texture.
PS, the figure above is 8.000 Poly.

Poser 1, 2, 3, 4, 5, 7, P8 and PPro2010, P9 and PP2012, P10 and PP2014 Game Dev
"Do not drive faster then your angel can fly"!