@ Ulco - actually the render at the size you see here (1400 X 787) with moderate anti-aliasing (6) took just over an hour. So I get to keep the cracked surfaces. Yay!
@Bobby - the frozen "lake" is the lake shader with a PF node (could've also used SS I guess), very little displacement, Jordan's (WASasquatch) Cracks and Tension Fractures clip, finally a reflective shader, no ray tracing.
I am slowly learning a few hacks on my own to T4, and saving everything.
And if you'd like to see how it's done, I have posted it (clip file only) to File Sharing. Go git you some of that.