In case anybody cares, Persona 4 is finally getting ported to PS3 next week. http://www.ign.com/articles/2014/04/03/persona-4s-playstation-3-release-date-revealed
Hi, You can transfer skinning data with skin2physique script http://monsterblues.wordpress.com/2006/04/27/skin-2-physique-and-back/ It's pretty usefull. It transfers data acording to vertex positions.
http://illustrationage.com/2013/04/02/free-andrew-loomis-art-instruction-downloads/ 'Figure drawing for all it's worth', learn the planes of the figure in polygons (as Joao stated just there), then after that expand.
Took this character from Shadoweyes.net for a spin: http://mooncalfe.deviantart.com/art/SHADOWEYES-outfits-04-134747448 I am glad I am not forced to only work with my OWN ideas hahah