I'm hoping to deal with this using the raster calculator in QGIS. But, here's my issue (and I'm a pretty novice GIS user); when you bring a raster image into MI, it turns all the null ("no data") values to white. In MapInfo, to make those previously null values transparent, I have to select that white color as the target color for transparency. But that makes any pure whites (typically over exposed images) also transparent.
My thought was, prior to bringing the raster into MI, to use the raster calc in QGIS to alter the pixel values for these whites (255 in all four bands) to something like 254. Not sure how exactly to do that, though, or if it will work well, or if there is an easier way. I searched endlessly before posting.