Interesting subject, but to be objective i found myself using quite some approaches.
The careful way, observe, horizontal/vertical/diagonal guidelines with H5, complete the drawing.
The normal way, observe, create horizontal/vertical guidelines with HB, complete the drawing.
The loosening up way, memory, eyeballing B2+ without guidelines, complete the drawing multiple times.
This is mostly how i start out learning new things. Obviously i switch in between.
EDIT: Something that may be interesting is that i approach anatomy from multiple angles, instead of pre-sketching hips, nipples, chest, kneecaps. So i can enter the anatomy from any angle aswell overtime.
Spare the rod, spoil the child.