The biggest issues anatomy wise are indeed the arms and the crotch. The crotch needs to be higher. And none of the arm segments match in length. Forearms and upper arms are roughly the same length and the full length of the arm should reach to somewhere around the upper thigh.
Your pose is quite odd, what is the back arm doing? I highly recommend either finding a reference image on the internet and following it closely or taking a photo of yourself in the correct pose and using that. You can't learn the human figure without looking at it.
In most cases I would draw the figure naked like this roughly first and then draw the clothes over that, I wouldn't completely finish the naked drawing and then add the clothes, that's just an unnecessary waste of time. I would suggest being a lot looser at this stage, you shouldn't be worried about clean lines right now. Try painting the forms with a brush and carving them into the right shapes rather than drawing outlines, it is much quicker.
Don't worry about perspective, in terms of a normal figure you usually wouldn't expect for any parts to be smaller unless you are using very extreme perspective which is totally unnecessary for a sprite. You may want to treat the camera as though it is tilted in some way but that's really as far as you need to worry about perspective for a sprite.
This drawing is probably way too big to animate, especially for a beginner. If that is your goal I would suggest dramatically reducing it's size. Somewhere around 64 pixels tall would be the largest I would go.
Great start
