I think the skeleton looks great as is, but adding flesh/sinew clumps here or there isn't a bad idea for a second version. It kind of falls under what was mentioned in an other thread about "breaking up excessive straight/symmetrical lines". I assumed you would make alternate versions as the need arose - like you did with your first skeleton.
For my vote, the belt and any "flatness" in the skeleton look perfectly fine. I'm sure there is always room for improvement and always new techniques to learn that reduce polys without losing much quality, but what I see in the screen shots is WAY better than "good enough".
Is the new HP MP display for Rathmor or just for testing? I think it looks nice; a less invasive display helps the player get immersed! 
For my vote, the belt and any "flatness" in the skeleton look perfectly fine. I'm sure there is always room for improvement and always new techniques to learn that reduce polys without losing much quality, but what I see in the screen shots is WAY better than "good enough".
Is the new HP MP display for Rathmor or just for testing? I think it looks nice; a less invasive display helps the player get immersed!