There is indeed a grey zone here.
You have created the character, you have created the pose, but you did not create the light, not the color grading and not the eye popping- eye candy textures.
There is too much generative AI work in this to my taste.
I am not entierely against the use of AI as a tool, if AI just calculated light rays better, understood the layers of skin and produced better accurate realistc skin shader effect.
I am not against something like AI denoising or upscaling. Maybe you want to make an animation and AI could help you with collisions or preventing bodyparts intersecting with each other, by marking scene elements as solid.
Those are AI TOOLS.
As soon as AI makes "artistic decisions" for you, like this color grading, your art work is no longer YOUR artwork.
Only that image on the left is all yours.