Quote - yes having a bit of a struggle with upper arm shape  and where this arm is ending up  in  its postion when lowered. have not put in  a real  effort on it yet to conquer this strugle...  but it will  come

This pic is my model's most referred to  reference pic (for arms front view zero pose)

Thank you for sharing.  Have you finish the rig?

My suggestion is to find a reference model who has a body shape closer to what you want to model.  From your picture, she is muscular (by comparing to myself).