The best way to use displacement maps in blender, is to apply it to a model via the displacement modifier rather than through the texture panel. (you will probably need to do a levels adjustment on the displacement map in PS or Gimp to get any decent results)
if you are UV mapping in blender then exporting to ZB make sure you have the keep vert order button (used to be the morph target button)checked in the OBJ import/export box.
normal maps in blender don’t seem to work all that well yet so if you don’t see anything when you have applied one just ramp up the Nor slider (you may need to apply the map more than once if you are using a node material)
hope that helps
and sorry if you already knew most of that