Moco Loco, thanks for taking the time to reply!
I'm relieved that I'm finally getting closer to producing a better Neytiri model than what I had attempted previously.
As for the detailed musculature, I'm saving that for when I get to the zbrush sculpting stage. Right now I'm just blocking out the geometry in maya in order to have a very clean base mesh to sculpt on. Of course, it is very important to me that I get the shapes as close as possible at this stage - so I'm taking my time to get this right.
After much time spent viewing reference material, and figuring out certain maya deformers, I was finally able to make her 'medicine bag' thing and some of her other artifacts. I also spent a lot of time making the braided cord that holds her loincloth in place, as well as wrapping the loincloth around her tail in the proper way. I still have a lot of shaping to do on the loincloth itself.
And I think that I finally managed to get her breasts right. It took a hell of a lot of shape tweaking to finally get the shape to match what I can see in the reference pics.