No i don't mean the actual bones, more the shape of the underlaying body, for instance when you were modeling a fat person, the shirt and the jacket would bulge out round the belly, but since you're probably modeling a fairly atlethic body the shirt and jacket would 'follow' his chest and thus bulge out a little, and around the belly it would hang free..
it's the same thing with the legs around the upperleg; the trousersshould follow the underlying leg, with the lower leg the trousers would hang free because the leg is much thinner there.
And i dont think it matters much that you have 50 poly's more than the guy from the video. to be honest i think that's actual quite good, since that person is probably doing it a little bit longer than you(or me for that matter) .
Just make sure every added polygon is a needed one then you will be oke
I also (think i) saw that you moddeled an entire hand, i don't know what kinda game it will be but if it's a shooter or a gta look a like you don't have to make all the fingers maybe only trigger finger and thumb the rest could be just a clump with a texture
there are also two books i bought that you should/could buy since you're creating a game character.
There about game- modeling/animation.
the games artist guide to maya and the game animators guide to maya
I personally find it much easier to find a specific thing in a book through the index, when i'm stuck, then searching through a 4+ hour videotutorial.
In any case i wish you good luck with your project (and probably your hangover:p )