Close in color is fine, Vicki. The only thing I'm not sure about is the olive skin. Sometimes, the poser flesh colors can get sort of "gray"--not sure how to describe it. Whatever you find that looks best will be perfect!
Don't even worry about being close to Ammie's, if it's a problem. Just make me something yourself that would work, I just do not want a full body shot and I also do not want anything overtly sexy, as I am rather conservative. I like Ammie's because she's pretty and her dress/clothing is fun.
There is no time constraint at all--just want to design with that image, but whenever you do it is fine. No hurry. Enjoy your family time!