You're pretty much dead on, Kurtch. Reflection and refraction is a bitch in serious renders. One thing I do that's helped is reduce the shadowing of my art. Actually, I don't do it because of the rendering time, but it helps. I started doing it because I liked a more "comic" look to my artwork. A lot of Poser work is very dark with deep shadows, and I wanted to go for a lighter approach. I usually dial down my Shadows from 1.000 to around .450-.650 depending on what I'm going for.