Nice work so far! I'm with Oolite though.
Some tips on UV Mapping and Texturing:
The metal texture around the armor is definitely a lower resolution than the bottom. The faces for the bottom of your hovercraft on your UV template might have been a different size (larger) than the faces making up the top. I'm not sure if you know this yet or not (I'm not patronizing you!), but depending on how much of a foot print you give parts of your UV Layout, it greatly affects the resolution. The bigger, the more resolution. That also means that you can scale down parts of your model on the UV template that are unimportant and hardly viewable to make more room to scale important and more viewable parts of your model larger.
Secondly, you want to try and hide your UV seams as much as you can. Either it's the way you textured it or it's that your seams on you UV Layout need to be reworked. Can we see your UV Template and/or a screenshot of your model with UV Seams visible?
Thirdly, the bottom of your craft looks awesome. But the like Oolite said, the armor still needs some work. If your going to have them look divided, it's best to have it look divided with a purpose. Texture in plates or screws or something. I would also chip the metal too. See
this picture for a good worn metal example. Pick up some free grunge brushes on deviant art or something and just go to town on it.
Random photoshop tips: The healing brush is your friend. You can use it to paint a metal very easily from a reference image.
http://www.cgtextures.com/ is an awesome resource.
Again I'm not sure if it's your seams on your model or that you copied one part of the texture and just dragged it over to the other faces on your armor but I can tell it's repeating. You can make a tilable texture quite easy by using the offset filter at half your images resolution (if it's 1024x1024, offset it 512, 512 to get half), and use the healing brush to get rid of the seams. Other method would be to copy the left, top, right, and bottom of your image, paste it on the opposite side, flip it, and then healing brush the seams. Either way.
Sorry, it's a lot to type and explain. If you want to me to go into detail or make a video for you showing you what I'm talking about I can. I'm very interested in seeing your UV template though. This would help me help you a lot.
"If I have seen a little further it is by standing on the shoulders of Giants" - Isaac Newton
-Computer Animation Major @Baker.edu-