After letting this render cook all day, I finally got the image I was working on.  I got the lighting just right with 2 types of Blackbody lamps, point lights with 10,000 degrees Kelvin temperature, and the overhead mesh with 4,100 degrees Kelvin.  This translates to blue and yellow-orange lighting throughout the scene.  Since I figured out how to arrange blackbody emission and inverse square on the PoserPhysical node, that opens up more possibilities with photo-accurate lighting.  The perfect example in the scene is the overhead, white lights emitting a yellow-orange tint.