Legs need a dash of detail. The point of the pubic bone is a nice touch, but it seems a bit too sharp. And btw...why is the neck beveling out?
Anyway, I know you're trying to work it out for yourself, but honestly, showing wires is the best way to show fellow modellers your polyflow. Polyflow is an essential aspect; it's not just about getting a shape right. You have to consider the economy of poly to ensure that your model can deform properly when you rig it. Otherwise the model can produce some disappointing results when you attempt a rig. Where you're at isn't an unsalvageable point in the modelling process. You can still do just about anything to fix questionable polyflow, but if you can catch it early, it's much easier to fix.
Trust me from experience. Almost a year ago I was working on a model and posted my results here. I was a beginner to critique and had no proper training in modelling a character meant for a rig. I posted my polyflow and was bombarded by more seasoned modellers with critiques, and you shook me greatly since I felt I had done nothing wrong. It took me SOOOOO long to begin understanding proper polyflow, as I would remake the model and keep getting shot down and make it again. I STILL can't say for sure that I have it mastered, but I'm certainly much more enlightened than I was and have been producing much better models since.
All in all, I HATED it to the point of verbal tirades, but the critiques of the people here bettered my abilities many fold. It may eventually REALLY piss you off, but if there's anything that can force you to do better, it's when you're doing it to prove you can make something they approve of.