It's no problem, I am looking forward to it and just hope that I can be some sort of help.
You seem to have made a good start to your mesh. I wouldn't worry too much about the joins...........no one will ever see them!! Just be sure to extend the head mesh underneath the body mesh so you will never see any gaps.
I hope you don't mind but I have scribbled a few nots on the images you posted, thought it was the best way to explain what I was thinking. Here they are:


For her bum, it might be worth flattening off that area and extruding out the glute muscle. This will give you extra geometry to create the crease between her bum and upper thigh. Be sure to blend the top of the extrusion into the back mesh so you don't end up with a "shelf".
A note for all on the shoulder/chest section is that be sure to keep the volume of the chest muscle as it inserts onto the upper arm. Scott Eaton mentions it as a major point in this month's 3D World........give his article a look, it is very useful. I think as a rule if you see where the muscles flow and insert and follow with polys you won't go too far wrong.
For the hips I would look at increasing the angle of the edge loops between the groin and the hip bone. When you bend your leg the crease angles up higher than your hip bone. Have a look at this model I found on CGSociety: http://forums.cgsociety.org/attachment.php?attachmentid=117381 . It has been modelled following the muscle groups. Obvoiusly, your model will not need this level of definition but the general principle is similar.
Also, check out Samar Vijay's cow girl. This is a fantastic model and he shows his topology on his site: http://www.samar3d.com/cowgirl.html#
Hope this is helpful. Look forward to seeing the progress.
Cheers,
Dan























