display_answers_in_overlay setting when need both true and false

Summary:

We need to allow URLs to directly open in new window (display_answers_in_overlay set to true) and HTML answers to open in an overlay (set to false)

Content (required):

• display_answers_in_overlay
• Description: If the value is true then answer content will be shown in an overlay. Otherwise, for false, it will be shown in a new window

Has anyone had this problem? We want a solution which will work for both HTML answers and URLS. We could just place a URL in a HTML answer but that would involve an extra click which we would prefer to avoid.