Not a bug supposedly. This is the reply I got on the Daz forums..

***Baker does render specular reflections, however, if you are using ANY other lighting method other than the standard direct light one, then Baker will not render correctly.
Baker doesn't support indirect lighting nor skylight/HDRI, so disable this before trying to bake and make a regular render to see what happens. ***

Unfortunatly, HDRI/Skylight is what is giving it the look I want. A good example of the look I am trying to accomplish is 'The Dark Legion' from Populus, a member on here. NO I AM NOT COPYING HIS WORK, PROMISE. I am simply trying to achieve the same glossy PVC look he achieved, and I followed his directions on how he did it. MAN does it look good, problem is my image isnt staying in the 3D enviorment, it needs to be able to be broken down onto the objects UV Map so I can open it in a paint program, again, not so hard, technically would be able to do it in Baker, except that it wont calculate the HDRI Gloss and all I get is a plain black image.

Is there anyway at all for me to be able to retain the HDRI aspects of the object and still be able to open it on it's UV Map to be used in a paint program?

I tried taking rendered screen shots of the final model so I could cut and paste pieces into it's 2d UV Map in Photoshop but it did NOT work good, the Models map is wrapped for 3d so I couldnt get it to sit right on the 2d map.