no, you're doing fine!
it's looking very nice.
And yes, the jaw line is very important. it defines the contour. Unfortunately i have no tips there. I guess it makes a big difference at that point, the fact that i more often start from a closed object and model by beveling and edge slicing. also i'm always "playing by ear".
yea i took away that loop in the eye. i think you can get the shape with that amount of geo, which is now a lot more balanced, if you take a bit of advantage from the sub-d's. and then generate a more detailed version to extract a displacement and/or normal map, depending on your needs.
hehe yea, xsi/modo. i keep wondering why do so many prefer Maya or Max.. must be a good reason escaping me.
as for the rest, i'd watch out for that star and tri poles in the cheek. from these two photos she looks a little fattier than your model, so i think you don't need those two points and can reduce the flow to just 1 star, like this:
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