Haven't found any solutions so I decided to ask here, examples are attached below (all of them use only one color texture + normal map)
If you're faking it, you can texture and bake the model with complete transparency and with no transparency, bake a thickness texture, and use that thickness texture to blur the texture underneath by depth and control how opaque the top layer is.
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If you're faking it, you can texture and bake the model with complete transparency and with no transparency, bake a thickness texture, and use that thickness texture to blur the texture underneath by depth and control how opaque the top layer is.