Gotta say I agree with Warlock279 here.  Ngons really have no place in a finished model.  They're useful for achieving certain operations along the way, but you should always quad them up at the end.  Just remember, any even number of verts can be turned into a quad surface.  So you should always model stuff with an even number of verts, if possible, to maintain quad topology.  Odd numbers of vertices can still be quadded, but maybe with a tri or two.

Ngons almost always leave behind subdivision smoothing artifacts, even on flat surfaces, and destroy edge flow.  I like the direction of your model here so far, just be careful of those ngons.

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Tools :  3dsmax 2015, Daz Studio 4.6, PoserPro 2012, Blender v2.74

System: Pentium QuadCore i7, under Win 8, GeForce GTX 780 / 2GB GPU.