Ok, this is what I have come up with so far.

These are the render settings I used.

And this is what I got.

The hair needs still needs some work thou. Parts of it are blown out.

Scene has one infinite light set to casting shadows set to 66% intensity and 3 planes.  2 of the 3 are set to 4 ambient and are white for IDL lighting. The top plane is all but as big as the ceiling, right up against it, and the other one is about the size of the character slightly in front of her at an angle facing out the rear window. The plane with the background on it is set to 6 ambient to self light it.

Skin is set to 1.2 sat with standard Ezskin, but main bump is turned up to 0.01 (my units are in inches) Cornea reflections and anistropic specular are turned down to 0.01 as well

It took about 8 min to render.

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