Hi Cindy,
There might be some additional warm reflection from the collar of the jacket in the shadow of her cheek, but I'm hesitant to suggest that based on what I see on my screen. As you point out, you don't want to jeopardize the good job you've done on her cameo complexion. I think you'll have to make your own judgement, based on your direct observation of the painting. (Wasn't that helpful?)
You've certainly solved the "age" issue.
This painting is really good. Technical quibbles aside, I think your choice of juxtaposing the leather jacket with the child's translucent complexion is brilliant. I see so many "ain't she adorable" portraits of little girls that I can hardly stand to look at them anymore, but this one really captures my attention. There's enough of an edge that it makes me ponder the fact that this child is going to grow up, with all that that entails. It's not easy to paint a portrait that gets the viewer to think in this way, but that's what a lot of us strive for.
Homage to Vermeer for composition, but big points to Cindy for exploiting it very successfully. I'm sure Vermeer would approve of your effort!
John