I just got a time out expiry on a big post while trying to look for a link [:@]
If he was still alive Rene Descartes would have been really bad at skinning imho - "Divide each difficulty into as many parts as is feasible and necessary to resolve it".
Phooowey I say, block it all in together and keep it simple.
Looking through the exsisting PCK models when I first started it seemed that there has been so many different ways that the work has been done, it's like each building has been done by a different modeller...so you can't take much of a guide off them. If it's any help I've just kept everything simple, like myself...
I think of things in pretty simple terms too so maybe this'll help:
Imagine a persons skin has been totally flailed off their body then stretch out to dry, well if you were to skin a human that would be the shape you would need to start off with in your graphics file. You know it would fit and that all of the colours and shades would line up and look correct. You can do this with any solid object including your buildings. I mostly attach everything then blitz it, seems to work.
Here's a good more solid example:
http://www.3d2k.com/benforce/tutorials/AmbientOcclusion/AmbientOcclusion.html
To help you I'd suggest LithUnwrap, programmes like Chilli, Deep, Drape etc all cost money. Lith is free tho I've never used it myself. If you can get your texture graphics to work (line up) nicely then that is most of the battle won imho, MS may have a plugin similiar already but I doubt if it's as good.
Download:
http://files.seriouszone.com/download.php?fileid=198
I only use MS3D for exporting and everything I know is self taught so I'm not the best person to advise you ben, my brain works differently to most, if at all... I mostly start with the texture then make the model....[:o] which is totally totally wrong and very aaf.
The one thing I do know about MS3D which is the best thing, is that there is tons and tons of support, tools, tutorials etc, follow the chum website/forum or start here:
http://www.moddb.com/forum/thread/super-duper-modeling-skining-animateing-tutorials
Also what are you working on, I'm totally confused, your factory map or starting an urban map? I'm doing extra stuff for both to help.