"But for now there a so many things to finish, also animtaion, uv, texture, renderings, bakings,..... lot of work."

It depends if you have the good tools and know how to use them

-Retopology is incredibly fast under 3D Coat :
3D Coat retopo tools
Even more 3D coat have now auto retopology( i don't use it caus i prefer to have total control on low poly)
It seems to work great :
3D Coat auto retopology
-For texturing , just put basic colors or patterns , normal map will do the job !
-For animation i use Blender 2.49, it's fast , weight paint ask some practice, and you'll have to test mesh movement and correct weight paint , after that using Action Editor to
save IK of bones is simple as hell !
In fact try to practice on some models, the armature creation,
weight paint on model, and animation, after 5,6 times you'll do it like anything (the only point is that Blender interface of 2.49 is not easy for newcomers) !

I hope to see the low poly version soon