Hey rick. I take it you have photoshop.
You could lay out the uvs, then take a snapshot, put bring it into to photoshop and paint the textures.
However, depends how detailed you were going. Obviously, the light wont bounce off it realistically, so its your call. Personally, id rather model, 1 tile, and duplicate it a thousand times, but it depends on what your using it for.
Animation and still images are a different kettle of fish. If you doing it for a still image, and want detail,...model the tiles. If its for a flick and ur not bothered about detail and lighting, teture.
Either way, if u model it, u should texture it anyways.
those who succeed are only the failures that never gave up.