What I meant by textured geo is using primitives to fake a backdrop, like for example you want a bright window in the reflection, instead of modeling a window, you could just use a polygon geometry with an image of a window on it, its all about creating illusion of an environment, kinda like concept of using images of trees slapped on poly planes to help fill in a forest. And yes you can use light cards as well, or just different shapes. In 3 point lighting, there is the key light (main light, casts shadows), fill light (well...it "fills" the dark areas) and the rim light (this accentuates the lines of the subject and makes it pop out, so its usually placed in the back of the subject) In the case of the rim light, you may want to have it only affect the subject sooo you may want to check out light linking.