UPDATE:
I followed the directions to a tee:
I created a low res poly of the combined upper body and head, using insert mesh (at subdiv level 1).
I created a combined high res upper body and head (at subdiv level 8), using insert mesh again.
I export both of them as separte ztl files then load them into a new scene.
I select the high res combined mesh in the rigging pallette then select the low res combined mesh in the topology pallette.
When I click edit topology, the original high res mesh shows up dark, as if it’s masked, but there’s no visible topology from the selected low res mesh. There’s only a single ZSphere (the original) sitting there.
If I begin using the SHIFT paint method to paint on topology, ZBrush eventually just crashes. I’ve tried using lower res versions of the high res combined mesh to paint but ZBrush inevitably crashes.
I tried the CTRL+SHIFT+LMB to unhide the existing topology but I still don’t see it. Is it not possible to get the existing topology in the retopo tool if you use the insert mesh feature? I did actually follow the steps and selected the low res poly under the topology section and the high res poly in the rigging section.
I don’t want to have to SHIFT+LEFT CLICK DRAG to generate all of the existing topology all over again … TONS of detail.