JM's right, bump maps are generated from super high poly maps, then the models are reduced in poly count and the maps applied (:eng101: see Doom 3 for example). In CGI animation however this effect is minimalized since the animation is prerendered. Hand done textures are used to add color variences and extremely fine details such as fabric texture (Last time I checked at least, it might be possible nowadays to model that with polys with a displacement map).
Now onto the model. I'm going to rant more and act like a modeler again, so please ignore my less than amature opinions.
From looking at teh mesh, it seems like it won't do too well in animation, poly lines should follow the muscles as much as possible because when we move, thats what moves too. It looks like it around the upperbody and knees, and even tho its clothing, it wont easily fold correctly. Also there are prob too few poly's in the ankles and arms to make a smoothe animation (she has muscles right? XP). Last thing, her belt around the waist has too few polys, it seems impossibly thin (might be the lighting/angle) and I can see very sharp angles and on anything high poly, you should never see this unless it is suppose to be there.
Its looking good tho, and feel free to bash my models up and down too since it feels like I'm just ranting here. XP Also, OMG YOU DID THAT IN JED, \/\/T|=, |_| 4|=\3 /\/\y |\|3\/\/ /\/\4st3r *bows*