Ok, an honest comment : It doesn´t look too bad - You got potential, though just like me you need to study anatomy and composition.
I think you have made a rather good beginning with the colour painting. To use reference for practise is absolutely o.k I think, ( I do it myself a lot...) Just remember to save copys of your work in every stage of progress, ( though you have already experienced one "fried" hard-drive - my tip is to use an USB-memory to store at least your latest work outside the PC where it is protected from hard-drive disasters ! )
As for PhotoShop - I absolutely hate it too...I have tried it and its "kid-sister" Elements a few times ( because they have some functions my beloved Paint Shop Pro lacks...) Though if you aim for a professional career in art you MUST learn PhotoShop I´m afraid...
See you around, and keep up the good work !
raimo