Glare: Why Your Dark Wallpaper Turns Grey by Noon
A glossy panel keeps a copy of the room; a matte one grinds that copy into fog.
Bare glass sends roughly four percent of the light that hits it straight back at you. That number is small until the wallpaper behind it is nearly black, at which point the returned light is no longer a detail but the brightest thing on the screen. The window over your shoulder is still in the picture, slightly dimmed, sitting exactly where the deepest shadow was supposed to be.
A matte finish does not remove that light. It scatters it across a wider angle, so the sharp outline of a lamp becomes a soft grey wash spread over half the display, and fine white text picks up a faint sparkle the coating cannot help. Anti-reflective layers do better, cutting the specular return under one percent, though they only ever reduce the room rather than close the door on it.
So the choice depends less on the image than on where you sit. In a bright room a glossy screen forgives mid-tones and textures, which have enough of their own light to hide the ghost of a window, while a dark, smooth wallpaper hands the reflection an empty stage. Come evening the same file finally holds its blacks, and the wallpaper you picked at noon looks like a different photograph.