Wow i'm really out of words.. It looks awsome! I've tried to model a skeleton too some times ago.. well i'll better keep the results for myself
For the skeleton it's normal to use more polys than for other models
I don't know if you already do this, but you could try to delete invisible faces, such as for example the finger termination that is inside the "palm" (there should be one or two triangles closing the finger "cylinder").

For the feet, they're a little strange I'd make finger shorter and the central bone longer.. (feet's finger are really small.. mine, at least )

I'm at good point with poses.. it now only needs save/load and it should be done.

I don't know whether to save them in the model or as a separate file.. Must think hard on this i guess.

Btw we should also decide something on how to save models on the "media" folder.. maybe we should make a subfolder for each model? in this way we well need a copy of all meshes that are shared betwheen models (very few i think..)