RorrKonn, 

Go to http://www.sparkyworld.co.uk/3d4own.htm and follow that free pdf tutorial:
Sparkyworld’s Guide To Creating Panelled Textures V1.1

" know Allegorithmic & or Quixel is for game meshes ,Are they still good to use with SubD meshes ?"

Of course they are. If it is that worn, typical, game look you are after you could try the brand new Substance Painter,
http://www.allegorithmic.com/products/substance-painter  (demo version and also very cheap right now)

It is really fun to use,