@Dreamz: My lady says the same thing, but she uses a worst word than "hollarin"
I usually do all planning on traditional paper first, Scultris will help me draw up a base prototype of the Guitar. (These guys are a distraction, but a welcome one since I am learning things).
@Fil: Your a little more advance than me, but I'll tell you my process.
1- I sculpt it in Scuptris as far as I can take it, not worrying about too much detail.
2- I'll then reduce the mesh so my computer don't freak out and export the file as an OBJ.
3- I'll then import it into Topogun (32 bit), and retop the low mesh there. I will then export that from Topogun as a obj as well as the subdivision version to capture the hi-rez detail. (Possible eport a level 4 to 5 in Topogun)
5- I will then import the quad low rez mesh in Zbrush 4, and then subvide that low rez (if it's 4 in Topogun then sub D 5 in Zbrush).
6- I will then import the high rez sub D from topogun over the low mesh, it will tranfer the high rez detail there.
7- If the low rez it too low, I will delete level 1.
8- I will create the UV maps in Maya, and fix edgeloops if needed, and create all subtools (eyes, teeth, etc). If I can find that GoZ button in Maya
9- Add more details and posing if needed.
10- Export and Render in Maya or Photoshop.
I would not add too much geo in the fingers when remeshing in Topogun, I'll keep it simple. I'll do that in Maya.