As there are 3 textures, you need at least 2 channels so a texture with color is needed (and it's what rappelz does, see defaulteffect.fx at function Terrain_PS (.fx files are shader files). You need to compute these mask for each segments, so in blender that would be one segment = one object.
Blender support GLSL shaders, but I think you can't use shader in a collada file (and making a custom plugin to import data is sometimes easier as there are far less constraints between the rappelz format and blender)
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