Just found this and decided to 'do' rather than 'describe' in the hope that its helpful and not upsetting Toby?
There are two uploaded into Picture Critique
Gallery cos I keep forgetting to lighten my pics before uploading - so I've done it a second time the way that it displays on my monitor!
First let me say your goldfinch pic is a cracker without anything doing to it

and would stand by itself without anything else and had it been done on slide film that would have been a good shot well done and that would be it!
But - with digi you have otions to tinker and six years ago I would have said 'no tinkering' not right ........ now all the way down the dark side

I say 'improve' your pic (its your pic after all!) in a way that takes it to what your eyes saw - or what you thought you saw and you won't go far wrong!
If you think tinkering with PSP and Adobe is wrong then the only thing I would have suggested was the 'flashlight' needed to go ..... when you put a catchlight into a birds eye it has to be in the right place where you know the daylight is falling most brightly - I've added fake catchlights to some of mine - or simply just lightened an area to stop the bird looking 'stuffed' or 'dead'!!
Anyway here is what I did - and some of it not as carefully or un-obtrusive as it might have been working on the full size pic:
1. Cloned out flashlight, picked up the daylight 'catch' with magic wand and lightened it in Gamma
2. Cloned branches out in the background near the bird then magic wand selected the background and bucket tooled an even grey taken from the background grey. Cloned out any obvious joins and worked around the branch and feet where light areas showed (not made an excellent job of this - on the original you can do this very carefully with good results)
3. Cloned out dirty marks on its breast!
4. Took pic from PSP to Adobe, selected the background, used gradient tool and pulled an ND grey from top to bottom
5. Took pic back to PSP (only cos I prefer PSP - can all be done in Adobe but I don't know my way around Adobe as much) and cloned around any obvious unmatching bits
6. Selected the bird and saturated very slightly
7. Selected the nearest parts of the bird and sharpened slightly
8. Selected just the head and sharpened a little more and lightened in curves very very slightly
9. Lightened the whole image in curves very slightly
There are areas in the background that are not even and I wouldn't neccessarily make them over even as that can begin to look false and in fact with the original to work on I may have chosen to select the background and add a severe blur (Guassian? sp?) and that may look more natural.
I don't do this kind of work with all my shots but with an image that is already good to excellent but has distracting stuff in it then I consider its worth the effort to make improvements and turn a pic into a 'Wow' ......
Thats my approach - feel free to throw rotten tomatoes if you don't agree!!!

Pauline