I tried the bad guy looking good thing or vice versa, but it just doesn't seem to work well, or i just can't do it myself.
The 1st one has colors i haven't seen in the contest yet, 2nd makes her look good, 3rd is what most are sort of doing as far as colors go.
What style are you going for, realism? cause the head dress tells me that this might be the direct you are going, for myself it seems like a lot, if you are doing more simple, i'd make it more simple with 3-4 at most bone segments.
I tried to help sry its all i got.