<After reading your description, I have one question. Were the
texture maps and the reflection map the same file?> Yes! and I didn't
spend alot of time tweaking. I don't know what your project is since
I didn't see the beginning of this thread but your insistance on
exact refractive accuracy leads me to believe "special effects" has
no place in your project. You are aparently attempting to recreate
reality. I, on the other hand only attempted a special effect that
was used in the opening of a comedy recognition video. It worked, I
got paid, and went on to the next project. Sorry if this approach
wasn't what you were looking for.