from a scale of 1 to 10, this turned me on to about 3-4. More indepth shading would be nice. Also her bra doesnt match what she wears. Maybe if she wasnt wearing a bra and her coat thing revealed her boobs more but kept it subtle and covered her nipples, my score rating for this piece of art would sky rocket. She's hiding her muffin top isnt she? 
Interesting analysis, however I would posit that the bra provides a contrast and depth of colour to her ensemble. I am obliged to agree that she is a little on the chubby side, and in light of this fact I am forced to give her the somewhat unfortunate score of 5/10, or, in my preferred ranking system, second tier ass, lower class.