Issue creating Translucent Material Layer for Material Layers Blend in UE5

Having a heck of a time figuring out how to blend a translucent/refractive material with an opaque/metallic material through Materials Layers in UE5.

Closest I can get is

a) Setting Base Material to Opaque and retaining Metallic nature of one material

or b) Setting the Base Material to Translucent and losing the metallic and gaining transparency but NOT refractive on the other material.

Base Mat:

Refractive/Translucent Material - which you can see doesn’t have refraction either.