Hi Guys
The shot of 105 is an old one no cab interior fitted.

there are many bits and pieces on the models that are missing in some views..
You seem to be confused with HDRI.. If you put it on in the game as in the sky dome..... then all sorts of things like shiny windows at night will happen
That is not what I am doing
There is no HDRI running on the game
I am using HDRI among other techniques to make textures that have several maps to them.. they have
Color,Diffuse,Trans,Reflection, Enviroment,Shadow,Ambient occlusion, Bump, Alpha , 3 specular maps , specular color etc etc
The way these textures are combined can produce the range of results shown in the screens, getting the balance between channels is the "Art"
Once the texture is applied to the model.. HDRI is not used in game
what you can't see from the screenshots is the way light and reflection moves about as the model or viewpoint moves. that I see as a step forward
Cheers
Sly