Reading some more I came to the "real" understanding that using FG/HDR is for indirect lighting, not to serve as a substitute for direct lighting, and there is a difference. So, I lowered the intensity of the HDR texture back to 1 and added 3 lights. 1 directional on the back, 1 directional for the shadow, and one area light on the opposite side. I think its looking better. Any comments?