The ‘As Reflection’ option is the user_ibl_env does not mean that. It relates to how the environment image was captured and should be mapped to your environment.
If you shot your environment map using a mirror ball technique, so the environment is seen “As a Reflection” to you when you captured it, then you would select that option. If you captured your environment using normal nodal turn and shoot from origin out into your environemnt then you do not need to check that option.
I think with the importance sampling ibl method, the two environment map method is not really necessary anymore. You can light an exterior shot purely with the user_ibl_env light and not need to worry about flickering as it is now a direct light source.
If you want the extra bounce of final gather you can use it in conjunction with the ibl light as it will not sample the environment given that it is a direct light source. I think David says you should just set your FG Filter size to 1 just incase you have very bright values hitting your objects from your env light.
Best,
Rich
At least now I can move on and quit trying to use the convolved diffuse map technique to get rid of those bright spots caused by the lights in the map.