If you want to make everyone happy, you could include multiple versions. 

I would rather have more zones. But at the same time you can add what you need in Poser.

Both ways of doing it are valid. And in the end it is up to the creator to pick based on the tools they have, and what they think the end user will want out of the character.

Victoria is probably the most popular figure series for Poser, and she has a lot of material zones from 3 up.

Many of the Poser characters have single zones, and we all know how much support they got in the past.

Support has very little to do with with things like texturing, as the V series of characters has already shown.

Does that mean that a figure should be multiple zones? Well, that depends on a few things.

How are you going to license the figure? Will it be allowed to used outside of Poser, such as in Unity as a game character?

If so, then the past may be completely irrelevant. Unity does not support tons of materials, nor does it support wire frames above 65K without breaking them down.

Will you offer multiple LOD wireframes? That is another thing to consider if it will be usable outside of Poser. Good low poly topology is far better than decimated.

The future of successful Poser figures may have more to do with what you can do with them outside of Poser than in it,

Yes it will have to be fully functional in Poser, but making it so it is functional outside of Poser expands its usability and its user base at the same time.

Things like rigging for other apps could be sold as addons for the character if it will be licensed outside of Poser.

Flexibility in a figure is what will sell it, and that flexibility has little to do with the way it bends....

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