Quote - Err, right.

Yes. "Err, right", as you say.
It's right when you want to use multiple lights, like I do, and have at least one of them an IBL. Without interfering with the color too much. Localized and specifically targeted color can be brought in through other lights where need be.
CG lighting is never going to be right by just tossing in a light and going for it, no matter what you do or what kind of scene you have. You have to use multiple lights, if even only three, and you have to be able to have total control over them. What bagginsbill posted here is one way of gaining more control, which can never be wrong.