Updated from 4.11 to 4.12 - Scene too dark and reflective

I’ve changed my skylight cubemap resolution to 1024 and I’m getting sweet reflections as you can see on my chrome sphere but… Is there a way to use the cubemap JUST for lighting, not reflections?
It doesn’t match the scene as you can see. Even If I add a box or sphere capture probe, I only see the **** hdri! (I’m probably doing a rookie error, just can’t figure it).

If I use the planar reflections, it will override the hdri reflections.

My setup is dead simple. Stationary skylight + hdri and height fog… that’s it. No directional light.

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