I took your advice about the clavicles (which I just added) and trapezius.
By the way, I DO think it reads quite well as a human. I'll post my latest update soon so you'll be able to judge it...

One more thing - I do use references a LOT! I collected a folder
with 1/2 MB full of them. When comparing the model to the reference, the only meaningful differences were (mostly as you said):
*thumb is too long *last segment of the pinky is too short *lack of fingers on the foot (which I'm about to fix soon)

One more thing - Can someone please post a topology and reference for a shoulder blade? I can't quite get it right...

One last thing - Where's 'Maya vector renderer'? Note: I know almost nothing about rendering

(Sorry for writing such a huge post. I had a lot to refer to... lol)
Thanks in advance,
Benny