I've looked but can't find where you posted her pictures at, post another of her. If her daddy is bay then yes, it would make sense to me that she could be bay.
I know with Dot we were anxious too for the baby hair to shed, we hoped that just maybe since she was lighter then her momma that she just might be buckskin. She's a bay, but she is different then her momma when they are standing together.
Becky
I'll post a picture when I get home tonight -