If you want indoor lighting, then you need GR. You must go much higher with the photon map, like 600000, but keep the trace level as default. Advanced effects quality at 100% is way too much. Keep it around 50%, and have about 500 gathering photons.
You may also need to adjust radiosity gain, and skydome lighting gain in the atmosphere editor. The right balance would be to have a nicely lit room, not too bright where the sun enters the room, because of light leaking(this is controlled by the skydome gain), and  a low contrast between the window and farther parts of the room (these parts need to be lit, they can't be completely in the shade, but they can't be as bright as the window area), this is controlled by the radiosity gain.