I'm having to same problems with a photo real car. Which is being lite with a HDRI Sphere with final gather. I found if I scale my sphere out side my clipping plane I can get an alpha, but I can't exclude it from my refraction so the image is visible through my windows I've tried to understand the connections explains in the last two postings but I am getting errors or different results. Do I need to remove my sphere once these connections are made? Will this work with HDRI images?
I'm still using 4.5, upgrading to 6 soon with any luck. Any help would be great.
Thanks
Scott