Top-left image is (obviously) a photo, consider it as a reference image for varnished wooden flooring.
Of the other three, which one is the most correct?
They all come from the same source data (geometry, textures..) and have the same camera/light setup. The difference is which algorithm is applied to each one.
Bonus cookies go to the person who can identify which generic reflectance class each of the bottom two belong to [grin]