That was the point lol.
Don't worry about skin and fat, as it contributes a really small covering surface on top of the person (especially skin, fat kind of depends on the person and on the area of the body (for an instance; the forearm stores less fat than the stomach does).
Don't drift away that quickly from studying all the main muscle groups, it might be annoying and time consuming at first but it'll give a greater understanding of anatomy later on - with and without skin.
The muscles so far look way too bulky, when in fact, even if the person is muscular, they're still pretty close to the bones. So the delts,(or even the whole body for that matter) for example look far too big and wide because of the muscle placement (insertion and origin points) which is a kinda wrong (a few posts back I posted a few sketches of muscle insertion and origin points, look at the delts for example and how close they are too the bone)
Also there's a huge problem with the hip/leg transition, it looks like there's way too much fat in there
here's an edit:
Some points in the edit that I didn't address.
-hip bone closer to rib cage vertically (along with some minor structural edits on the bone itself, the two sort of "wings" of the hip bone aren't that round)
-straighter clavicles (didn't notice before that you made them that curved)
-moved lower legs closer to each other (the diagonal angle of the upper leg bone could only exist if that was the case, sorry for the confusion earlier)
-the clavicles are indeed really broad (my bad), a longer neck would fix it proportion-wise
-the abs go in two straight columns and not in sort of round space like you drew it.
-when the arms are held this way, facing the viewer, the forearms are going to slightly move outwards rather than stay straight (you can try it yourself and see)
Other than that I just added the main muscle groups (the ones you can see at least) and some shadows here and there where it was necessary.
Not sure how you added muscles to your skeleton, but it looks like you used the pink silhouette figure as your based for the muscles (at least in the previous post), you should really go with the approach you started with which would be to find where each muscle originates and attaches to and put a high notice on every little curve (like on the delts you overextended the curve on the side); that's the problem with making such small pictures for learning anatomy, you can't capture everything you need to without the knowledge already being there.