I don't know anything about what formula to suggest per your cool/warm question, but I have the following recommendation:
Try to set up a reference for your question: find someone who won't mind sitting for you under those light conditions for a half hour or so. Most people will sit this long, especially easy since your subject is reading.
It will be an interesting exercise, but the more "interesting" the exercise I encounter, the more I realize how important it is to paint from life.
Good luck, it is a beautiful photograph. You might want to look at some of Thomas Eakins' work, there should be a lot of links from Yahoo or Google or whatever you use.
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