RorrKonn, please.  Yes, edge loops should follow the musculature of human muscles to provide proper look and deformation.  That's common sense, as well as common knowledge ever since Bay Raitt introduced the technique for Gollum's head.

Quote: "when you model with tri's n ngones and ya SubD once. makes the mesh 100% quads."

No kidding.  That doesn't mean it's a good practice.  Lots of problems can occur with normals and smoothing when doing that, especially in spots where you need a certain flow of edges.  My god.  WTF?

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Tools :  3dsmax 2015, Daz Studio 4.6, PoserPro 2012, Blender v2.74

System: Pentium QuadCore i7, under Win 8, GeForce GTX 780 / 2GB GPU.