A bit of a better update now
Once I was more or less happy with the shaders and lighting I then rendered out the different elements, so I had full control over them in Photoshop.
As well as renders of her skin, clothing etc. I also output the shadows and an ambient occlusion pass. I seperated the AO pass so the skin was on a different image as adding the general one would make the skin too dark and dirty looking.

Throwing it all together in Photoshop gave me something like this…

As you can see, its still miles from complete. So now we start to tweak the colours and work in details.

This is where I am at up to now, below is a list of things still to do…