QM and GR are mutually exclusive: if one is right, the other
must be wrong (of course, it's very much still possible that both are wrong). If you use GR to predict the movement and interactions of photons in a medium, it's just wrong. If you use QM to predict the movement of light around a huge body, especially a black hole, it's just wrong. And what's worse, there is no limit or term you can add such that you could say "QM works only for objects up to size X, GR works for objects larger than size Y".
Also, we're nowhere near explaining 99.99999999% of the behaviors we see in the universe. In fact, we're not even able to explain 6% of the things we see in cosmology - as is often explained, dark matter accounts for 27% of all energy in the universe, and dark energy for 68% - and we have no ideas what these actually are, if they exist at all.