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As for the pubic area I'll experiment some more now that I begin to understand what overall look you're after.

You could load the low-poly figure and try the "labia detailed" morph of the hip. That will show you where the clitoris hood is supposed to be. I think having a smooth transition from the skin above into the hood is the most important bit. I actually made an experiment where I just cloned the surrounding skin onto that region, and that looked pretty decent, at least with the morph applied.

The base figure only has that extremely stylized genital area because morphing the hip with all those folds in the way was a major pain. It's not meant to be used that way, at least not for "full frontal noodity" renders.

But don't spend too much time on that stuff, unless you really want to.

-- I'm not mad at you, just Westphalian.