As I said above, there’s no image-based lighting when rendering to RenderTextures, because the image-based lighting comes from RealityKit (and ultimately from the visionOS’s cameras), and RenderTextures are rendered using the Unity renderer.
That depends on whether you want to replace the image based lighting entirely (use Unlit target, output to Base Color) or add the Unity lighting to the image based lighting (Lit target, use Emission). However, when rendering to a RenderTexture, you will only get the Unity lighting (point/spot/directional/etc.), not the image based lighting.
It’s possible that we could eventually support rendering to a texture using RealityKit’s RealityRenderer, which does provide RealityKit’s image based lighting (though not from the camera–just from an environment map). If you’re interested in that, please request it on our road map.