I always turn HDR/Bloom off, I hate getting blinded by the sun in real life why would I want that annoyance in a game? I also hate not being able to see in the dark in a game, it might be realistic but I want to see what my char is doing. Unlike real life you don't have your other senses to help guide you. I hate games that require a torch or some other lighting to see in a cave...I just turn up brightness...
