In my reading I came across an excellent video on how to simplify models. Masami Kuramoto posted the information in the SL Forum. Video Tutorial on Retopology in Blender. 14 minutes of excellent information.
[youtube icqPZnD_3lA]
If you are making Second Life clothes, you need to see this tutorial.
The first tip ralusek provides stumped me. He is not using a key/click display and he went fast enough I missed it even after rewinding three times. I couldn’t get it to work. It is just too handy not to figure out.