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You make a good point regards reflections, but the could be added manually after using layer styles.   Thinking back over the years, there have been some outstanding plugin sets, like the Koi Power Tools, Mystical lighting, Eyre Candy and Flood, but my versions have not worked for several versions of Photoshop, nor on 64 bit systems.  So now my only paid for 'working' plugins are the Topaz Bundle.