Use specular_shader_skin_bump_high if it's rigged, specular_shader_noskin_bump_high if it isn't. If there's no specular texture (like most cloth models), use standart_shader_skin_bump_nospec_high or, if it's not rigged, standart_shader_bump_nospec_high.
The rest are fairly rarely used for armours and you'll only come across them if you want to do something similar to another specific object in warband -- for example you use flora_shader to make new grass or leaf materials.