please consider that the ibl sets are made to avoid the use of big sized hdr during the rendering.... the bigger the image, the bigger the ram usage... if i'm not wrong a big sized hdr in Luxreder of about 150Mb can use uncompressed inside Luxrender easy 1Gb of your ram.
this tecnique is very useful in biased render since you can use different images for different purpose.
in Luxrender if you want to use a hdr or a exr as illumination and for reflection you just need the reflection hdr from the ibl sets but if you want that the used hdr is also visible as background, you need to look for big sized hdrs, because the use of an hdr/exr smaller then 8000X4000 will give you a fuzzy background.
