Your anatomy improved crazy fast! I absolutely love the vampire mesh and (sorry for being a pervert) the weird slited clitoris. Are your characters still going to be in the never nude gang?
This really is an asset specific and artist specific question. How fast are you at modeling? How fast can you retop a model? How fast can you build in Zbrush? Proxy/blockout and simultaneous high low can be lightning fast. Zbrush high sculpt or boolean and retop can also be fast. As Oglu says, it really depends. It's…