Stuck modelling characters

I am getting better at sculpting humans and characters. My main problem is when it comes to retopology especially when it comes to having a model for animation.

I feel as if I overthink it all. I can just about understand going the head/face, but when it comes to the rest I just have no clue how to approach it. I’ve watched and listened to Williamson’s topology overview which helps but when it comes to practice over theory, I’m completely stumped.

Is there any good tutorials, courses or books that can help me with this? Any advice?