Ahh, thanks for that clarification. From a theory point of view, I guess it does make sense why they can't be combined without a shader. I guess they could be baked into the colormap itself but that sounds terribly inflexible and a huge hassle. I'll just put it aside until I have time to learn more shader stuff.
Moreover, you would be causing two major problems. Firstly, you would end up needing many different copies of the same texture because the lightmap would make them all different. This would use up a lot of diskspace and texture memory. Secondly, you wouldn't be able to tile your textures as you would not want to tile the lightmap which was baked into it.
A good, unified lighting system is very hard to come by, I'm afraid.