Ta for the edits!
Wexx - I've been staring at my own so long I can't properly see what's wrong with them. Your work definitely looks more feminine. Hopefully I can glean something from it.
Beo - I didn't think of making the chin more feminine. I might be able to do it without changing the outline much - thanks! Someone else explained that about nipples to me too - they help convey direction of the breast, etc. Cheers

Might get to update tomorrow. Need human references soaked in oil so the shinies explain the highlights easier

Edit: Some superb references at Fineart.sk, but I remain confused over the belly button and shoulders. I see the button portrayed as higher in sprites here, and the dark line that marks the shoulder/neck line on reference photos is wiped out as a highlight. I don't understand why. Likewise with the shoulder line. It looks to me like 1, 2, 1 pixels in the slope angle from neck to shoulder in the references, so that's what I've tried to mimic.
Trying it all though. I realize there are things that might be wrong and I can guess what they are, but for some reason I just can't 'see' it in my head. Dang it.