Apparently, I had discovered it as you guys were typing.

Thanks, Paul. I found a rock chip in a windshield on Google and desaturated it. I am running the render as we speak.

The trick is to UV map first. That way the materials room is looking at the lense as a single prop instead of 2300 different props.

Now I just have to tweak it until I get the result I am after. This image is far from perfect, but it's a great start...

If I had a nickle for ever time a woman told me to get lost, I could buy Manhattan.