I feel your torso mesh is too dense for this early stage. This will result in much more time than necessary due to pushing vertices. The arm density is about right.
Also the split in the model centre, move the adjacent vertices from the split line and centre the split line vertices perfectly to zero coordinate and they will merge well without the odd crimping you now have.
Aren’t you using reference planes in your 3d programme to model? If you are, the deltoid muscles shouldn’t be so big as they are at the moment, ditto for the arms.
Much better progress though. If you want to meet your deadline, merge those excess vertices and get a more accurate outline before adding mesh resolution.








