You are SO right Womball I think the female jaw and lips are about the hardest part.
I can open the mouth by moving the lowest level 
It becomes a little stretched but you have to manually sculpt in lines that run from the corner of the mouth to the nose to make it look good.
Looking awesome, CM.
You might want to add a zsphere for the nose. It will allow more varied noses I think and look better topology wise. Not sure how you would make a hole in the mouth with zspheres. Sir Belec would know that.
The mouth opening can be created with a zsphere pushed into the mesh, see the zsphere thread. Plenty of head ideas. Also on the thread, if you want to move the lower jaw, it has been proven over and over to model a bit in the mouth prior. Again, many examples in various guises exist on the zsphere thread to help everyone. 
Looking good either way.
Wow talk about knowledge overload
So heres my final beta I will be reproducing in the vid.
I did alot of sculpt and bend tests on it and everything works correctly.
The feet will Never be perfect but since Zsperes like to ALL rotate together the foot will try to rotate with the chain in the wrong axis. I compinsated with a Zsphere that will counter this;) and then another that will repair it.
Its amazing that hands work so well with all the fingers but the foot which is 3 Spheres gives you the hardest trouble.
I have released my beta character to the comunity, and when I am done with everything I will post the grand link to the vid and everything in the Zspere forum and tutorial forum.
Play with the rig if you want wouldn’t mind some feedback.
Looking good, still needs some more zspheres, especially for leg and foot, but getting better.
Hehe, she is like an anthropamorphic bear women!