Actually, I do have an addendum to make about the 'layout' hdri image.
I said originally, that this is how it would look at the 'Default' camera position...but it turns out you actually have to set the camera to 0-0-0 rotation, and position, (in the attributes menu) to see 'area 1' directly in front.   My error in the original post.

RosemaryR
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"This...this is magnificent!"
"Oh, yeah. Ooooo. Aaaaah. That's how it starts.
Then, later, there's ...running. And....screaming."