This is an attempt to create a good and light topology to a whole character body.
Looks quite efficient to me. I believe the perfect topology is a never-ending quest by topology purists, but this looks very good.
Even without applying the subsurf you have lots of room to animate there. Noice.
One small note, I’d add a couple more loops around the shoulders/armpits to prevent stretching, but that’s me; that area is always a bit of trouble. Maybe build an armature to see how it holds up.