You know there is actually no way her areolas as well as nipples would not show in this particular image. I think you should edit this to either have her arms covering higher OR add her areolas and nipples. Again this is my opinion to authenticate this image as it is quite lovely.
Hm. So after looking through all of your deviations, I will have to say You are absolutely amazing. Your coloring style is to die for as is your line art. You have splendid detail in all of your designs, and the anatomy in your art is just amazing. Rarely do people (I never do) get elbows and other strange muscular parts correct, and really you do them wonderfully. I would not at all be disapointed if you did a quick tutorial, even if it was just what program you use and the tools, because I have been looking for sometime for some tips on how to get that smoothly shaded look.
Really nice, dynamic lighting in this one, by the way.