So I picked up a few different building models with textures off TurboSquid. (Sometimes, spending money feels like an adequate substitute for progress)
The description for the packages I bought indicated that the models came with textures, in LWO and 3DS format, and were "ready to go." Unfortunately, one of the packages actually doesn't include textures, and the 3DS files in the other two packages don't have materials or texture coordinates, so if I were to use them, I'd have to re-create the materials, and UV map the models all over again.
"Ready to go" -- hardly.
Why does everything have to suck so much? Why can't things just work? In the 1800s, when you bought a horse whip, chances are, the whip would actually work pretty well for whipping horses (if that's your style). These days, it seems like there's a race to the bottom -- just above "unacceptable" seems good enough.