After reading about what you needed and the reviews, the last one you linked should be fine http://www.newegg.com/Product/Product.aspx?Item=N82E16820145598&cm_re=so_dimm_ddr2_800-_-20-145-598-_-Product
Developed by Cuneyt Ozdas, sold by Digimation for the way-overpriced $249 (and no longer supported!) http://www.cuneytozdas.com/software/3dsmax/#QuickDirt This method is free. http://wiki.polycount.com/AmbientOcclusionVertexColor More here. http://wiki.polycount.com/AmbientOcclusionMap
NPC city chatter greatest hits #246: Old lady: "If I were interested in wearing heavy armor, I'd go to Fire and Steal, they sell heavy armor there." OMG! It's a living, breathing world!