I think you're generally correct, but that games studios and animators don't care much about refraction specifically (although it does make for cool tech demos)

I think you're generally correct, but that games studios and animators don't care much about refraction specifically (although it does make for cool tech demos). They care more about reflection and lighting in general (spotlights such as windows, true area lights - no point lights disguised as area lights using emmisive textures)