I'm just trying to struggle along, I'm actually looking at multiple references while I work.
You don't have to struggle so hard. It's not enough to just look at references while you're working, you should set up actual reference planes in your scene so that you can get it just right. Eyeballing it isn't working.
Take a look at this video, and do what this guy is doing:
Specifically, which proportions need correction?
As seen in the side view, her upper arms are thicker than her thighs. Her breasts start at her shoulders and span the entire height of her rib cage, and are shaped more like manly pecs than breasts. Her butt is smaller than her breasts. There's more, but those are the most glaring examples.
Anyway, using reference planes will help you work these things out. It would also help to study anatomy.
I'm not too concerned about poly flow or count, as I said in my first post
You didn't say anything about poly flow in your first post. In fact, you did say
I'm concentrating more on the general form for now.
Which is exactly what poly flow is all about, so it is something that you probably should be concerned with. Poly count has nothing to do with it. If you're going to attempt to model 3d characters, then what's wrong with trying to learn the right way to start with? If you do it wrong from the start it will just be harder to correct yourself later. Take a look at some existing character meshes. Notice how the edges trace around the contours of the shape they are making, whether it's the curve of a muscle or whatever. The mesh wraps around the form that it's creating. It's not just a box or a cylinder with straight lines running down the entire length of a leg or arm. And you can get decent poly flow to some extent no mater what level of poly detail you are working at.
There are a lot of tutorials and examples on the internet for this sort of thing.