There is a second, equally important reason for using your own photos to paint from. You want all the work in your portfolio to look like real commissions so that your clients see you as an experienced pro. Titling something "Study" and crediting another photographer defeats that purpose.
The legal advice you got on the other forum sounds highly risky to me, in any case. You should probably contact one of the free "lawyers for the arts" to be sure. I've done a fair bit of research into art copyright law and I've never heard of any provisions like they suggested. Better safe than sorry.
There are lots of tips in the SOG photography section, and in various books recommended here and elsewhere, on how to photograph wiggly children. FYI: I shoot over a hundred photos when photographing a subject of any age, and I shoot more if it's a little kid. They're all shot from the same vantage point. That means I don't move and the subject doesn't move from the spot where we start the photo session. That's just so I can get one or two good shots to work from.
It's worth the effort.
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