Just finished a game engine spec male character bust and rigged it to give facial expressions (was a learning process). See more in my 3D Showcase thread.
The skirt does indeed help a lot, had a go with that myself awhile ago. Also included a tear line for the lower eyelid in it with high spec which helps.
An update from military Pack I am currently working on in collaboration with another artist. (substance is using gloss-spec shader so metalness didn't render)
I strongly suggest the new Dell XPS... It has the same build of a MBP (unibody and extremely sturdy feel) For a much cheaper price with better HW specs.