Somehow when I download your oicture it is just a big blur...
Regarding the ik handles for your arms, I would think about what sort of movement your character has to perform. And then decide if he needs ik handles in his arms. I did a tutorial from a book (maya 6.0 the complete reference) which gives a (for me) quite advanced tutorial on how to rig a character, especially the arm area.
After doing this I figured tha the ik's in the arms are actually unecessary for what I had to do and where more hindering then helping.
I would not use ik handles for hands and fingers, I would use driven keys to control the finger movement.