the uv layout looks good for me (good use of space)... the only thing i notice is that u have clusters on top of each other...
doesnt this create errors on the normal map?.
since i always bake AO on my textures i always try to have the clusters placed seperatly.

about the silhouette:
what i ment with smooth is that the torso "flows" into the butt which also "flows" into the legs. the same with the shirt and arms. what i like is between jacket and arms... this is something you see in the silhouette.
you mention that you will add items like backpack etc... that will definatly make the silhouette more interesting.


a suggestion for the general shape would be a belt, wich maybe would help to draw a line between lower and upper body.
Also add more depth to the transition between shirt and arm.

and after looking at the screenshots the head seems to be a lil' bit too small... but this can be due to the perspective.

keep up the good work!

cheerio