The work flow you list is essentially the same as my workflow. Look in my "art workflow" thread further down the page. As with Dock I usually unwrap my models before rigging because I often find that I have to alter the geometry (eg. mirroring parts over) and such alterations would ruin the rigging, but actually creating the texture (ie. painting the image for use as the texture) I can do at any time after assigning the UV coordinates.