Photoshop :: Making Human Skin Texture For Game

I am a game coder/artist using 3ds Max. To date, I have used very simplistic methods of making character skins. I need to step it up a notch and start making more realistic (human) skin textures for humans models in this game I'm working on.

I have been searching the web for several days on this topic and finding little luck. Here are the problems I am encountering:

1. Most skin tutorials for cgi I've found are for high-res, pre-rendered images in Max or Maya ,and not for games. They use several shaders and bump maps and complex multi-texturing that I cannot use in a game.

2. I found one fairly decent skin making tutorial but it used a clouds effect that really only works for light-skinned characters. I tried to modify for darker skin characters and it looks really bad.

3. In general, I have not found much for this at all on the web.