The problem with those free blender rigs out there is that they have an excessive amount of bones and have deformations all intended for CG animation and not game use. Same goes for tutorials since they deal with bone types that are inappropriate for games. My attempt at a simple rig is questionable:
http://www.youtube.com/watch?v=FRL9RqJ2up0Anyone experienced with blender have tips on this? Note the bones with "ik_" in their names. These are the only bones keyed (to make animation much a simpler less demanding task). The head bone tracks ik_lookatme, forearm bone has an ik constraint to the ik_hand bone. There are two elbow bones. I'm not even going into secondary animation bones (simple skirt and breasts ik chain exists but are less of an issue)