I have read wikipedia's definition on HDRI, lol, I still have a way to go in completely understanding it.  I'll get there. :-)

Still not sure why the R,G,B dials in the lighting parameters are set at those numbers for the default lighting, shouldn't they all be at 0 ? Wouldn't that give me a white, or "whiter" light?  In the manual it says the values are between 0 and 1, with 1 being the "full" of that color, so I would assume you would get a brighter, or "clearer" render if all the lights were white (0), instead of them being tinted with R,G, or B, right?

Hborre, I will get to trying those suggestions for lighting, and will post a render here over the weekend. Just to be clear, couple of questions.... With that setup you're suggesting, what should I set the R,G,B light parameter dials to for each light?  With Ambient Occlusion on, what "strength" should I set the dial to?  And you're saying no shadows, so I should "uncheck" both Depth Map Shadows, and Ray Trace Shadows? 

......Apologies, have just been very busy today, plus my ISP was down the entire day, until now, so lots to catch up on.  Thanks again!

MM