It looks like you did this in SAI, am I correct? Your linework looks decent, but it's really lumpy - try adding a pressure stabilizer and see if it helps. Body looks pretty good, but her right (our left) arm looks a bit wonky. Use a mirror as reference and look at how your own arm would look in that position. Shading is in the right direction, but you're going a little too much with the whites, plus straight up white doesn't really look good. Try to keep the color of the thing you're tinting and shading.
You're headed in the right direction, keep going.
Really appreciate the feedback! I'm sorta making these things my daily warmup now (a contest a day sort of thing), but what I SHOULD be doing is get some figure drawing done at the start of the day THEN do a piece I'm going to actually release to the public. The lumpy I attribute to me not knowing the light source totally before doing contours which is something I'm learning to do in the right order so you're totally right there. I think the right arm would have been more convincing had I formed the hand and wrist better. I feel green when it comes to highlights sometimes, it's embarrassing ha! Something to hone for sure. In regard to the tinting I've understood the warm and cold/highlight and shadow relationship thing and I do a selection of my highlights and do a mask same with my shadows. The thing I'm questioning is the blend mode of those for the best effect. I suppose always revert to the whole subtlety thing.
Anyway thanks again! You're awesome for taking some time out and I'm getting better for it!