AO and Specular are no longer being baked into the diffuse/albedo of game content as games move to real time Physically Based Rendering, separate maps are used for AO, Specular, Metallicity, Gloss, etc.  That said, the majority of content for Poser has baked in shadows and specular - skin being the most obvious in this case. Moving to PBR will require people taking a bit more care in their texturing to get optimal results or face situations where lighting in the scene doesn't agree with the results on the surface of models.