I actually have tried to textured it 2 times and 2 times, the arm areas did stretch. I haven't found a solution to make any textures not stretch from my last 2 models.

Are there great examples and tutorials out there to show how to model perfectly so the textures will not stretched?

But if I don't make the cuts close together...it wouldn't bend properly right ? when I rig it?

I'll fix the back in a few days.

I wish I can understand what is consider wasted geometry for games.

Thanks guys.