Warning! HUGE FILE!
and lot and lots of text ...=.=
My first full official tutorial!
Basically explains my whole process and technique hope its useful.
Really its just the way I myself draw and its not the right or wrong way to do it, but if you find any of the aspects useful, especially the tools and what they can do, feel free to give it a try.
This is all done on Paint tool sai, but other drawing programs have similar features so it could apply to all.
For textures? your best bet is CGtexture.com, they have a nice variety of high resolution textures. Also check DA's stock textures, there are some really nice ones there