Hey artorious, I see, that you have smoothed some parts of her body - or is it a subsurf modifier? The dress could use some subsurfing also. Especially the upper parts do look a bit low poly.
From the images I think that you are using blender internal render? Have you tried using subsurface scattering. I personally don’t like SSS in many situations but the last render could benefit from that. If you use SSS you will see that this minimizes the visual effect of your bump mapping. So I would recommend to test SSS and bump mapping together.
I saw this only lately:
I’m having an issue with getting the collar area of her dress to deform correctly. It’s parented and weighed with the armature aswell as pinned in the cloth simulation. Can anyone tell me if those two things conflict with one another? because it’s not deforming when I move corresponding bones.
I think that you should either use the weight paint / armature way or the cloth modifier. If you use the cloth modifier you are entering the wide field of animation somehow ;). You have to let Blender play a certain number of frames until the cloth has been fallen into it’s position.
Did you assign collision to her body mesh?