I baked out my normal, AO, and height maps from hi to low poly in Marmoset. Now I've' imported all my meshes into a single Substance Painter file using an FBX and I could apply each of the the individual AO maps to the AO map layer or I could just add them as an additional layer for the diffuse texture layer. Any reason to…
It depends somewhat on the end use; for sketchfab purposes overlaying it on the diffuse might be good enough. In game engines using AO as a standalone slot means that the AO can be shown only when those areas are in shadows — it wouldn't make sense to shine a torch at something and still have AO, so by keeping AO separate…