3DO only throws that error if your model has any UVs that are outside of 0-1 space. It will not show that dialog for models that conform to 0-1 space.
Regarding 3DO previewing: Your mesh group name must be named Gutter001 for it to display in 3DO. Each PSD is named with a prefix - in your case, it's Gutter001. [Normal] tells 3DO what type of texture it's loading, and the prefix matches the mesh group name within the exported file.
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Regarding 3DO previewing: Your mesh group name must be named Gutter001 for it to display in 3DO. Each PSD is named with a prefix - in your case, it's Gutter001. [Normal] tells 3DO what type of texture it's loading, and the prefix matches the mesh group name within the exported file.