jayriggo- I do not use anything other than the things I’ve learned from the lessons as
(Character Modeling for Next-Gen Games Modeling and Sculpting with Richard Smith)and other.
The idea is to baked as clean as possible normal map.Then normal map can be converted in different map that help you for texturing model.
http://www.donaldphan.com/tutorials/xnormal/xnormal_occ.html
The most hard part is high poly model,but when you have a decent high-polygon model other steps are easy.
For baking I use xnormal
This is also a very good example and great lesson 
(Street Cop Workflow by Mashru Mishu)
jmturbo- Thanks man
][-][4Z4R][)) - i am glad you liked.
I use topogun for retopology but i use always xnormal for bake
