lol...
Here's the author Chuck Palaniuk sporting some mighty LAMBCHOPS...
(he wrote fight club and choke to name few books)
And someone else you might recognize... with the ultimate in lambchops...
Can you see the connection?
Jowls are indeed your lower cheeks yes.
"I'd be inclined to focus on your features for now rather than try and place your spectacles... do that later once you've got the features sorted... " [/i] = don't put your spectacles on until you've finished drawing you facial features - you will find it easier.
I'll let adarias explain what
scruff is and
banding are...
Presumably you know what a
philtrum is then?