I've compiled a few references below. The workflow comes down to using Lathes to sketch out the body parts one by one, then use "Weld" to join the parts into a single skin ready for sculpting with the sculpt tools.
In practice a lot comes down to your reference photos/sketches. Also it is a lot simpler to make a symmetrical pose as you can mirror the model and limbs. For a posed character the first step of drawing Lathes takes a bit longer, and you have to sculpt both sides of the model independently.
I recommend modelling the head, and perhaps hands, as separate models. It is much easier to work on them separately (especially using mirroring on the head)
Here's a video showing the basics of sketching and joining parts to make a model:
Here is an example for a female torso, showing the main steps of sketch, merge, and detail:
And another example of a full body posed female, using the same workflow: