It is always extremely hard to be objective about your own work, no matter the work.
That's a good mindset!
I like your first drawing more, because it shows you have a good understanding of basic anatomy. Obviously, it's not perfect. But it's always good to focus on the basics first.
I'm far from perfect, but I started from a relatively similar spot as yours (I posted my 2D artwork about 2-3 years ago to get feedback). What I learn is this: get the anatomy relatively right. I say 'relatively' because not everyone aims for hyper-realism, unless that's what you want.
For me, having a grasp on basic anatomy is good enough, so that I can draw something that's not jarringly inaccurate. I'm not looking to be a 2D artist, I only want enough skills to create relatively good art for my VNs. Your goals may vary. And once you understand the basics a little more, only then you can stylizing your work a little bit.
As for her accessories, those are going to need a lot of work. For example, the "hip belt" looks more like a tattoo, while the "butterfly tattoo" looks more like a solid accessory than a tattoo that's inked on her skin.
This is why it's important to have a grasp on basic anatomy, and really nail it down before anything else, so that you understand a little bit on how clothes and items "wrap" around the body.