I can add to what Atelieryork said.
I generally tried to work around this by using more subtle bump maps, but then they aren't noticeable at all. Subdivision actually works in my time every single time but the meshes become very dense. (to make the scene move fine I use turbo-smooth with 'Render time' subdivision, but of course, only works on perfectly divided meshes).
Can piss me off at time when I render hi-res close-up and notice the lines after 3 hours of rendering :- D
Another never resolved "feature" is the refraction and light. This issue always manifested with windows (with true, thick glass), but recently I noticed even bulb-like lamps wreak havoc on the scene.