A model of a girl in a coat will help reduce the lack of girls in a coat in your scene, if there is one.
A bag and a scarf, if you do not like them, you can easily remove and use the model without them.
I draw your attention that most of the parts of the model that are not directly visible, I deleted to reduce the number of polygons. That is, the sweater is modeled only in front. Most of the body is also missing.

The archive has scenes 3ds max 2015 for V-Ray (3.6) and Corona (1.6), as well as OBJ.

The main preview is made in VRay.

polys: 38817
verts: 40266