It’s great to hear how much thought and effort you put into the models!
If it helps to make the result better by relying more on stripe modeling, go ahead 
I agree with the idea of splitting up the object into muscles instead of sculpting it all in one object. That easily results in a very sculpted look or a body-suit feel rather than the actual muscles.
My advice is to do split things up for the gained shape control but don’t feel pressured to detail the muscles beyond what is visible on the outside.
It also doesn’t need to be super precise in small details. The overall anatomy reference it gives is already fantastic to have 