The fact that the actor passes in front of the tub doesn't completely rule out tracking - you don't necessarilly have to use as tracking source the same feature you have to remove. Or use the same feature for the whole duration. That's why the attach point is decoupled from the feature region. There's a very nice trick which is, if you move the feature region while holding Option (Mac) or Alt (Win), you can offset it from the attach point (ie, the target point for the track) without affecting the track itself. In other words, you can change the features you use for tracking as the actor obscures the ones you were using, and that can be done without affecting the location of the attach point.
That doesn't mean this shot is easy to track. I can't possibly know without trying. It's more a general statement
Looks like some degree of rotto (ie, manually masking the actor) will be needed.
Well, since you're stuck with CS3, this will have to be done mostly manually. Some tracking should be absolutely possible - you have enough references and even if the person passes closely in front of the camera, some of them will be visible. You should just not get hellbent on tracking the areas that you mask directly, but rather features near the edges of the frame (corners and edges from the mirror, the bath tub armatures), then use some offsets to inset everything to the target locations. This could be done manually as described previously or using expressions. Of course things will get a lot easier, if you have a budget - there are plug-ins for this kind of work (see http://www.aeplugins.myleniumstuff.de/?cat=16) and naturally, CS4 with mochaAE plus possibly even upgrading to the commercial mochaAE v2 to bring over your spline shapes to AE, could do wonders... Nobody can take the masking off your shoulders, though - since there will be noticable motionblur as soon as someone moves close to the camera, any automatic solution will more or less not offer what you are looking for. Anyway, if you can, reshoot. What you are looking for is simply to attach a white or black cloth to the body of the camera and cover up the rails. It would then easily be possible to adjust the color of the reflection to match the rest with some simple masking or selective color correction...