yes I have a horrible memory - (but had noted myself to add the info to final render).

The skin texture is Catalina that I purchased from here for V4 - I can't find the read me for name of creator atm - might have been named "readme".
The Eye texture is from DMs Nanette.  (hazel)
The snake is done with easy pose snake from CP.
The Hair is April Sylphiad from Daz3d.

and my favorite - the face morphs were done as a favor to me by Pjz here at renderosity =)
The rest of the body is my own doing.

Thank you for all the suggestions.  Im going to give them all a try tomorrow.  There seem to be so many variables with lighting, I begin to wonder if I will ever be able to keep track of it all : p

I do have photoshop.

I am:  aka Velocity3d