I would have to say that the finish isn't the part that catches my attention. I would say it was the pose being ambiguous, particularly around the cocked leg. My mind can figure it out, but I don't want to have to rationalize it.
To me the lower leg mysteriously begins up around her hip and comes down at a diagonal, without connection to the body. I would suggest making the connection to the body (i.e. it would be well to indicate the thigh). And when it gets to the ankle, I would change the plane of the foot to show that it's not just more leg.
When you are posing a model. or picking a photo for reference, you want to look for things like this, so that you can avoid particularly ambiguous bits.
Show off the form in a way that shows off the form. Think dancers and their poses. They design poses for beauty or expression, and they don't make the poses optical illusions unless they are doing a dance about optical illusions.
You have a lot going for you. You have a good eye. Just that when you were looking at this photo reference, you were probably looking at it for the head and attitude primarily. And you weren't looking for problems. But that happens sometimes. You're not alone in that.
"Not a bit is wasted and the best is yet to come. . ." -- remembered from a dream