I am still working on a retopology my character. This is taking much longer than expected. All of the pieces are there, they just need to be connected.

Subdivided, it looks different. I can always add more subdivisions, of course, to get a higher resolution model, before I bake textures to a lower resolution model. 

This is unorthodox, and not apart of the plan, but in the future, I will spend minimal time sculpting, treating it as a sketch, only to block out the basic forms. Then, I will do the high-poly retopo, then the low-poly retopo. This type of process also allows me to do detail sculpting on the HP retopo, before doing the LP retopo.

Or, I will have to be wiser about how I sculpt characters, so that I don't get into a situation again where it will take days to smooth the sculpt.