I felt like a picture would be in order to explain what I'm currently doing on #CitiesForDaz
A picture speaks more than a thousand words :
I'm doing this, 66 times.
Hopefully it takes a month.
The approach I've taken is to embed the texture in the mesh and not use complex image textures. It'll be heavier in terms of polygon number ( not too much ), but ultimately, you'll end up with surfaces you can easily change in DAZ. Much more flexible.
Voila.