Yo, at your current level I can definetly see you working through term 4. It seems you have the knowledge and it's just matter of practice, which you can do regardless of the term.
Then again, I can also understand money being tight and reaffirming knowledge as you save up. If that's the case there are plenty of video and exercices to warm up for term 4, which is mostly anatomy and color/light theory and practice.
Good exercices here though. It does seem for the one where you placed clothes on the non clothed girls it was mostly from imagination. While that's also a good exercice, I recommend looking at references of clohtes in similar poses as well. I noticed a distinctive improvement when I tried to do it 100% from imagination and when I looked at some references and used those as basis for dressing up the naked characters.