Hey all>> thanks for the comments, I haven't had much time to work on this because of school recently. The other morning I decided that some of my fur/texture probs were uv related so I went back into z-brush and remapped it using GUV tiles and then used the Z-app link to edit in photoshop. I haven't added back the displacement yet but I think I got rid of the uv stretching. This is my new texture map:

mc-fleury: the hdri is done with the IBL node.. the HDRI itself is one of an Island type setting near the coastline. This image is just a final gather with no hdri.. just to show the texture.