I don’t know much about proportions (always a painful subject 
), but I have some notes on shapes. Maybe it might be helpful?
Even if you aim at more, uhhh, down-to-earth style, it would still have same landmarks and line directions as “wasps”.
One such feature is waist. It should be pretty high (think of the times when a woman could comfortably wear pants without worrying they would reveal anything if she sits down), and the belly button is just below it. Should be somewhere under ribs, I suppose?
Regarding shoulders, it’s important to remember that clavicle bones are a part of that mechanism. Don’t forget to find the other end of that bone =) Then you have a deltoid there, it will be pronounced even in T-Pose (even on stick people). Then the biceps will be bulging on another axis, toward the front view. Then bony parts on elbow and curve of the forearm. It will (roughly) go up-down-up-wrist or something like that. Again, it should be relevant even in T-Pose, though maybe not very noticeable.
I’ve come to like the idea of zig-zaging directions to describe the silhouette - many art-anatomy instructions address it. It works for appeal, even if not too exaggerated. Watch an imaginary line on a reference and see where it goes, how it turns. It somewhat helps to get a sense of proportions too.
This is exaggerated (just the way I prefer), but hopefully illustrates what I mean:
You’re just moving some vertices around, as usual. As long as you have a back-up file, there’s nothing to fear 
)
