Tol, thanks for the tip, I'll read it, but I'm just doing a test render now by isolating a room, killing all the windows, and dropping it in a new file. With one light, radiosity at low quality, (and I threw in a couple of mirrors just to trip it up) 3 passes came to 8 minutes.
It was totally trying to compute ALL the lights on the floor, and all of the windows in the entire house. :| I guess turning off the lights in the other rooms and rendering only "night" indoors will help too, but I'm not sure yet.