Hi Ryano!
I wouldn’t call myself an expert with the NLA, in fact I’ve only recently started using it (very sparingly).
All of the work I do requires all the animation to live in a single action data-block so that is predominately how I work.
However, I have been trying out Tal Hershko’s Animation Layers Add-on recently.
This essentially just makes the NLA more usable for character animation.
How would I recommend using strips and actions?
Well I wouldn’t recommend breaking it different strips for different body parts. You need to be smarter with the grouping. I would suggest having the entire main action in one strip and then any tweaks or polish in different strips. This is so you have a solid base animation that you can apply changes and quick iterations to. Here’s an example or a recent animation.
Imagine a run cycle (character holding a weapon and running)
-The base animation would be the full cycle. (everything is animated)
-Then I added a weight layer to the torso, to push the ups and downs. (this is animated much further than looks correct because you can pull the influence up and down)
-Added a weight layer to the weapon (same as above)
Looped this 7 times
-added a layer that spans the entire 7 loops and adds subtle changes to each step. One step is a little bit more this way. That one was a little higher, etc (just so it’s not exactly the same each loop)
-added a hair polish layer that incorporates all the subtle changes in each run loop (as well as all the other overlappy bits)
Hopefully that makes sense.