Yeah the scarf is because the neck looked terrible you all know it. Tbh I'm pretty happy for my first time ever using the software, but I really hope to make one that's not trash in the future.
2/5 - 400k - I'm going to be honest, without you doing all these cuts and swaps, I could have gone lower. However, there is a lot of effort and fun put into this. I think your big issue is the lack of cohesion on the swaps and some roughness on the cut. If possible, try to do Non-destructive Editing if you can. Your text isn't readable either, and there is a lot of intersection around it. I would recommend limiting that.