Hi all,
I went with DBrady's idea but took a different avenue. Instead I.
1. select by color 20% - click on oceans (I think 20% captures the landlocked water more accurately without many mistakes.)
2. image/mode/grayscale - convert to greyscale.
3. imade/colors/invert - invert the water color.
4. image/colors/levels set input level to 0, 0.40, 255 - change the color levels to darken the land masses.
5. save
Notice that I don't cut the landmasses out. Instead I have a spec map that has high reflectivity for bright parts of the landmass. The modification of the color levels causes darkens all but the lightes part of the landmasses. The end result is that snow and ice are highly reflective; desert regions tend to be of moderate refectivity, with a few exceptions; while most everything else takes on a very mild reflectivity that is probably more realistic than having none at all. Here is a sequence as the sun passes over australia.
Here is a shot without the specular map. I took shots without at all four intervals but cannot distinguish between them.
Here is a reduced .png of the spec map relevant to these shots.
Currently these are as 8 8kx8k .png. I need to convert them to a full virtual texture of 512x512 .dxt's, but first I'd like to get feedback as to whether this is an appropriate approach to spec maps.