I can tell the most interesting part of figure drawing for you is drawing the faces. You might want to forget about drawing clothing for a while. Clothes are a whole new subject and I don't see how they can be drawn correctly without getting good at drawing what's underneath.
Watched the first lecture by Vilppu today. It was kind of helpful. Mentioned a couple of things like how drawing a skeleton is a good idea and that those lines tend to disappear once you've worked upon them, there are no wrong lines and you should avoid erasing things. Second image is about as far as one gets doing what he suggested. Lectures are an hour long each, so it'll take me time just to watch them.
DAZ 3D is apparently a decent program along the lines of Poser but I haven't had time to look into it. Didn't even get time to go to the art shop today and I'm running out of 0.9mm lead.