correct
i use pspX (corel now) but i think paint and/or gimp are similar....
the way i have found most easy to make an sref is to "save as" your "x".dds to "x"_sref.dds, merge all your layers, then add a layer on top.....flood fill that with black, make it semi transparent so you can see where your shiny parts are on the texture below.....erase those sections from the black layer (swords, shiny armour, buttons, etc....) and then make the black layer opaque, so only the shiny stuff is showing.....if you want extra shine, make the texture layer brighter......