Consider Strata3D, which now has an HDR Light Studio module. You can get them as a bundle for about $850; or, if you prefer a subscription plan, they have options for that as well.

Strata has always had a very good renderer for a mid-level package, but I am really loving it with Light Studio. Perfect lighting and reflection setups are a snap, and it plays well with MoI.

I do not recommend it for animation, but it excels at still images.

The only drawback to Strata's renderer is that it lacks subsurface scattering.