yes, that is better.  though i'd say just use the IBL for ambient.  and now i see why IBL doesn't generate specular.  she's too shiny in the front, on top of being a little too saturated for that photo.  look at the brick building behind her.  it looks less red than her cheeks.  even accounting for a distance (which i don't think would have much effect here), it means she stands out.  i'd say either adjust the levels and saturation on your photo, or the saturation of your skin texture and SSS.

edited to add: same goes for her bathing suit and hair.