Take it one step at a time. Sculpt the model how you want it before you start painting it. Forget the shaders until the model is ready. Also, post some references (if there are any), a wireframe from max, and the zbrush sculpt (without polypaint info).
Here's an update. Modelled clothing in Zbrush, rendered in Max with mental ray. the idea is that she'll be hanging onto a chain which is hanging from the collar of a dragon behind here, like a giant pet. Still have to make the dragon though.... Think her feet might be a bit on the big side too. any other thoughts/crits…