It's all a matter of taste, I guess.
I personally would have gone for a less cellshaded look for the skin as well.
I made an edit as well, hope you don't mind:
I fiddled with the colors a bit and added one extra color for the skin. (The seemingly "extra" blue was already in your piece, but not in the palette to the side.)
I also tried to make the collar and bracelets more colorful and shiny.
I like the added shine on the jewlery in this edit, but the skin's shading looks to me like it needs AA...
As far as the original, I'm not really a huge fan of the colors either...I can kinda see where you were going with it, but I like the more tanned skin tone better for sure...