Just my opinion on the topology, and please odf do not take these opinions as contrary to yours, I highly respect your opinions and talent and am just adding my dos centavos as a fellow modeler...

www.renderosity.com/mod/forumpro/media/folder_9/file_449348.jpg

The hip and thigh area are somewhat bunched, but the loops are good are add to the overall bulk later in the mesh. So I wouldn't do away with what is there but mearly move edges around to space out those tight areas a bit.
Personally, haven't found a workable way around the nipple other than what is modeled.
More polys at the face = better morphs

Regards

Comitted to excellence through art.