The way I can tell is reminding myself that real life is not that shiny. They need to not overdo the HDR so much.
Actually that is partly the result of the camera settings you choose in photo mode, as well as in some cases post-processing done in photo editing software.
The shot with the low sun does illustrate nicely why I like the game's day-night cycle so much though.
Also check some I took (these do come straight from the game's photo mode), particularly the first four images with the alfa's at dawn. The way the shaders react to the low sun is really spectacular, and looks great in realtime while playing too btw
https://picasaweb.google.com/103997796623806381708/GT5?authuser=0&feat=directlink