My opinion towards using references: they're essential to learning to draw. You would probably be surprised by the amount of artists, even professionals that use photos, and other drawings to reference their work off of, both for inspiration and to look at how things are drawn. I'm definitely not a good artist, by any means lol. Which is why I'm referencing, to help me learn. Trust me, all the greats studied references and images and learned how to draw things by continually looking at other pictures or photos for the way folds would form under gravity, or the way light would hit something... I do admit this was a very direct referencing though.
As for her being muscular? I don't really see it lol. If anything, it's' the wind blowing the loose clothe behind her... even take a look at the reference picture, they're fairly similar.
The face, I kind of messed up on, ok lol. It doesn't look quite as bad on the original though, the program I use to trace the scan to get the smooth single color lines must have changed some stuff. But yeah I still agree it's a bit odd lol. Oh well, I don't pretend to be a pro at this.
EDIT: Just noticed I had miscolored her right arm, there should be a guitar there, that's what's making her arm look so big lol. I fixed that though, and uploaded a new pic with the guitar body colored in.
