Another one with reflection issues 
Please Epic, give us a highly precise RT reflection system, even if it’s so expensive! At least for ‘industry’ developers.
In the meanwhile, the best image quality and maximum realism can be achieved with baked lighting and RT reflections. But as RT reflections (deprecated?!) have some bugs in UE5 (already reported), I would use UE4.
Lumen is only useful for people needing dynamic changing illumination (or geometry), but it will give you less lighting quality, less reflections quality and a huge performance drop.
PS: Only use Lumen when really needed. Only use UE5 when Lumen (or other very specific tool, like PCG) needed.