Did you try increassing the tesselation? I mean, if there are not holes in the panels, but they show up in renders I would imagine it's the tesselation.
Also, I haven't enough experience to know what's really good and really bad when modeling bodies, but the few times that I modeled some, I had a whole patch just for the shoulder. (i.e. a patch for the front of the chest/abdomen, conected to a patch for the shoulder, conected on one side to the neck and on the other to the arm. But like I said, I might be doing things wrong.
There can not be Good without Evil, so then it must be good to be Evil sometimes.
:tup: