Monodot, have you thought about using dynamic hair?  I played around with this once and went a bit overboard!  It never got beyond a WIP, but  I was shooting for a hippie look and ended up with a REALLY natural woman.  Though I’ve painted the texture to be much different than the original, I used dynamic hair and cloth to get the body hair.  This character is modeled after a woman I went to college with.  And though she won’t be appealing to most of the people on this board, it is very true to what she looked like nude.  She didn’t care what people thought and that’s what I was trying to capture.

The problem with the dynamic hair approach is that thicknesses have to be adjusted depending on the zoom.  What a pain.  Despite that I’m fairly happy with the experiment.  The underarm hair, pubic hair, and leg hair defiantly looks more realistic on the first pic.  You can see where I stopped tweaking halfway through the second.  This is one of hundreds of experiments I need to finish!

Don’t mean to hijack the thread… but any thoughts?