Actually, all of these effects can be generated, but like I've said in another post, you need 3ds max to do it. You simply paint your texture in a paint program, create a plane in max, set the lighting the way you want it and then Render to Texture which bakes the effects into a finished texture. You can also bake the images seperate ie., Height Map, Specular, etc.

I know Max is expensive but it is very much worth it.