This is really difficult!  I think I have a shoulder arrangement I like, and the hip and beginning of the thigh musculature.  I found that you absolutely must have a clean line of edges with no poles along the spine or it's just not going to subdivide and render cleanly.  How does this look?  The proportions of the model have been adjusted a whole lot to match my reference closer (yes, my reference has a perfect body).

My Freebies