Answered
How to make an ice crack map for such a ceramic (substanceDesigner)


Such an effect (smooth over raised surfaces) would normally be done using a shader that can handle a clearcoat. This is the PBR Coated with inherit normal from base set to False

If the 3D application in which you will use the material does not have such a shader then you may need to model a larger second surface with transparency and a smooth surface reflection
Dave
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