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OK to leave your hands as they are or join your fingers? and finally I just head, chest and pelvis as pieces, it ...
Fingers can be seperate or joined, Fingers will be more work to bone and animate. FPS move quickly so they're not very important. Doom3 marine only has 3 fingers.
Cutting the mesh into 3 pieces allows for the best animation. You don't have to use 3 pieces though. Angelyss is one piece and Arachna 2 but they move a little strangely.