Yeah just use way more verts and use this as your highpoly model. On your lowpoly model you can have strange things like that, but try not to stretch the faces too much or you'll get an odd bake and odd lighting. You can sometimes make your lowpoly by decimating the mesh (removing edgeloops etc) but I find it's so much nicer if you remake it, because you make all the mistakes on the highpoly and then you know which parts should do what on the low. If that makes any sense.
as for your particular problem, here's a couple of possibilities, depending on how you want your loops to go. The thing with using a neat loop system is that it fucking ALWAYS pays off later. I have never had a bad time with loops, I fucking love them. Keep them neat and they will keep you happy. Seriously, modelling with good loops is like copping a blowjob under the desk while you model.

