If you are making a skin by using multiple layers then you can use both of the different templates as a guide to help with skinning.
The rivets/wear layer will show where the rivets and panel lines are, so you can copy/trace them if you like...or you can even lighten these lines if you want to make them show less (by selecting them and making them lighter, or invertineg them). Or just reduce the opacity of the layer to show just a little wear.
Use the other layer that you posted (in your first post) as a coloured guide for where the edges of the different parts are, and where the camouflage patterns should be drawn.
You can create quite interesting skins despite the limitations of default panels/rivets. Finding where all the different parts are on the texture is a bit time consuming, but once you have done the first skin of an aircraft type the others become a lot easier.
Tip - I make my roundels and markings separately to the skins, then it's easy to just add them to any other skins you make. Make them large and they will look better when shrunk to the right size.
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