Preparing model for Baking to Substance HP-LP

Hi!

Sorry if this is the wrong forum, but it seems the most appropriate one.

I'm trying to prepare a HP and Low Poly Model version in Maya, in order that I can bake from HP to LP in Substance and paint it.  It's a complex model, and so I will create a manual retopology layer for the LP in Maya.

The HP model consists of multiple subtools, (seperated by items of clothing to the body etc.)

The LP retopology layer consists of one layer that wraps around the whole model.

My goal is to preserve the many texture sets from the high poly model, when painting on the LP retopology layer in substance, and also have the HP bake onto the LP successfully.  Is there a way to do this?

I've found that multiple texture sets are helpful in substance as I can paint more freely, but I'm not sure how to transfer these sets to the single layer LP and still bake it.

I'm would prefer not to use the UDIM workflow if possible and stick to texture sets.

I thought a fix might be to create new texture sets when creating/defining the UVs for the LP Model Retopology layer and then exporting this to Substance (then applying HP to LP bake), but this seems like a long way round, am I right?  It's all a bit theoretical right now.

All a bit muddling, some expertise would be appreciated