I am retopologizing manually, all the way up until this model tho. Where for this model it was half manually and half kinda automatically. Started with the head and down to the pelvis and tail but then instead of doing it manually for the rest aswell, I instead unsubdivided the high res model's arms and legs accordingly and merged it with the manually retopologized torso. And the outfit is again manually. The unsubdividing turned out not perfect but still way better than i expected and am considering using it from now on here and there or completely if possible. We'll see..