I would suggest that you create one (which can be used in sl later), and make an ambient occlusion as well. then take all 3 images into PS (or whatever you use) and drop them all into one file. set the AO to multiply, and adjust the opacity to something you like
then remove all color from the normal map by desaturating it, and set it as an overlay or soft light or another setting you prefer, and also adjust the opacity on that.
you can continue to tweak these settings as needed, maybe overlay some additional materials, etc. This is a good basic way to add a little bit of depth to your texture to make it a bit more realistic