Some one gave me the models from streetfighter 4 once to have a look at. They were all seperate bits - they looked like toys more than game models.

Most game models are made in zbrush/mudbox these days with loads of different bits then retopolagised after as one or three bits (find head and hair usally still seperated). There is nothing wrong with u trying to line the geo up so it matchs.

End of the day though its all about how you like to work.