That looks very good to me... the heel cut seems rational. I vote for leaving the hands and feet attached but if you do cut them will they be on separate maps? If you do cut them I would heavily prefer you cut the where the clothing cuff would be a bit up the shin and forearm rather then right at the hand and foot body part edge...

I can't even begin to imagine the best solution for the face. I am curious, odf, what face UV do you like the most among those all ready out there? So many merchants create their own mid-line face seams for V3 and V4 by copying and flipping the face bilaterally... first thing I usualy have to do on someone elses texture is go in and clone out the texture symetry! ;)

I just know nothing about mapping... could the head be cut into vertical strips like with a Mercator or Miller globe projection so the distortion was hidden under the chin and above the hairline? Then the scalp cut out and the entire underjaw "triangle" cut out? The reason I am thinking this way is I used to sew very anatomically correct rag dolls where the proper paterning created very realistic body part volumes... the arangements of panels and seams for the head was very interesting and could create very accuarate volumes even with hidden seams. That and I find with clothes in Poser, there are the majority which are mapped as conventional 3D models and then the occasional one I encounter that is cut out on the UV map just like a Butterick pattern and those always texture so so much better...