Yeah, I really am not getting fancy just yet.  The first "bump" (if that's what it was) I did was a solid white (the bumps are initially just a picture o f black, white, and shadeds of gray, I'm understanding).  The second "bump" I did was to try some different shades.  All I did was put a bunch of circles, each with a white to black gradient eminating from the center.  The result wasn't quite how I hoped it would be.  The final one I did becuase I came across this skull with plenty of black, white, and shades of gray.  I had hoped to see a difference.  The problem, however, is partially because I'm using the sniper tower shader for the ghost shell, not the ghost shader.  I think I picked a shader that has minimal bump capabilities.  I had hoped on editing the original Ghost shader bump earlier, but I had family over most of the day.  I'll try it as soon as I can.
As for my methods:  I use Darkmatter to extract the Jpeg (yes, it's a jpeg) image that contains the bump information.  I edit that in photoshop, and save it as a DXT 1 which I end up making the original bump use.  
I think bottom line is that I have to find someting that looks like a difference in actual texture.   I don't think the ghost is the best subject to start out on...
Thaks a ton for your guys' help with this.  It is still experimental, and I hope to get it right.  I like the effects I've had so far, but  it's not quite what I"m looking for. (oh, even though I'm not into the whole goth/emo type thing, and skulls don't interest me, that skull ghost is actually way cool ingame.  It's a pity the pics don't capture it well...
EDIT:  I decided to get away from the ghost and move on to something else.  I did the tile surface by the overshield on Headlong.  I used a Custom, home made texture and with that I created a custom home made bumpmat (though it needs more intermittant heights in it).  I used the Plasma Pistol so you could see the bumps with the light that it gives off.  The  bump fits perfectly with my skin I put on it (it's a VERY rough-draft copy:  I'm still learning the best way to fine-tune my bumps.  Even though, the joints between "bricks" on my skin appear as if they truly were deeper than the "bricks."  ( I hope I'm making sense:  it's almost 1:00 am and I'm trying to think.)
Here's the pics:
 
 
 
