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...as well, creating art to properly work with dynamic lighting is alot of work, a fair amount more than art developed in mind for static lightmaps.

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I can partly agree but also disagree. Arts for dynamic lighting can be even easier to do. You do not have to paint shadows, highlights and faked specularity into your image to make it look more realistic. This makes a real-time shader for you. So sometimes a faster created color map is sufficient.

Did you realize that many users today use quite simple maps for human skins? Just a flood fill with some noise on top? This is not big amount of work. The shader and the normal map will create all the details with real-time lighting.

But you are right when you want to create high poly meshes for the normal map in addition to your low poly mesh. That may take some minutes more