With regards to visibility of the retopo mesh, Silo has a display mode called "ghosted shade" mode. It basically makes your background high-poly mesh display as an overlay over your new low poly mesh. This would work great regardless of your z-bias setting. You can see what it looks like here: http://www.silo3d.com/forum/showthread.php?t=6917&highlight=retopology
I think this would be excellent for 3D Coat.