Contrary to naive expectation, diluting the stellar component of the lensing galaxy in a highly magnified system with smoothly distributed "dark" matter increases rather than decreases the microlensing fluctuations caused by the remaining stars. For a bright pair of images straddling a critical curve, the saddlepoint (of the arrival time surface) is much more strongly affected than the associated minimum. With a mass ratio of smooth matter to microlensing matter of 4:1, a saddlepoint with a

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... o-magnification of mu = 9.5 will spend half of its time more than a magnitude fainter than predicted. The anomalous flux ratio observed for the close pair of images in MG0414+0534 is a factor of five more likely than computed by Witt, Mao and Schechter if the smooth matter fraction is as high as 93%. The magnification probability histograms for macro-images exhibit distinctly different structure that varies with the smooth matter content, providing a handle on the smooth matter fraction. Enhanced fluctuations can manifest themselves either in the temporal variations of a lightcurve or as flux ratio anomalies in a single epoch snapshot of a multiply imaged system. While the millilensing simulations of Metcalf and Madau also give larger anomalies for saddlepoints than for minima, the effect appears to be less dramatic for extended subhalos than for point masses. Morever, microlensing is distinguishable from millilensing because it will produce noticeable changes in the magnification on a time scale of a decade or less.