After almost 10 months, I’ve reached a bit of a standstill. Yes, each figure is bit better than the last, but there are “information” issues. Below is the ZSphere construct I used to model a female (and a figure made from that construct). It worked fairly well, but not as I liked. Partially because of memory constraints, I have never achieved the level of detail and smooth modeling I wanted in to torso. I tried a variety of techniques to increase the number of polygons, but each has created problems of its own. I tried subdividing a masked area to model a better navel, only to have uneven areas of concentrated polygons inexplicably show up in the mesh, not just over the navel. I asked what caused these? I was told subdividing a masked area did. I was also told, “Don’t do that.”
So, I don’t do that any more. I tried polygroups, and increased the polygons in the torso independently. The result gave me enough information to model a nice navel, but also a visible line at the margins of the torso.
So, what should I do? I’ve altered my ZSphere construct and the torso is stacked with spheres (but no breast spheres), and it seems to be working, but will I reach a point when there isn’t enough information and my added RAM can’t handle it? How do you folks model such exquisite figures so packed with details? Do you remesh and then take it further? What? 
Katherine Dewey