I use the provided DAZ maps, but the main additions are procedural. Scratches and bumps, differences in skin tone, etc, either procedural or by mixing in a simple painted texture tile.
Clothes/hides I make in ZB as a single side (thin) mesh to save on unnecessary polys, but my next challenge is to just have the visible edges thickened (more like real skins). Edges are sometimes too obviously thin, but I don't want the whole thing double, because I sometimes get problems with inside poking through outside.