What is the ultimate end goal for your lizard character? I'm not sure if you're modeling for game output or 3d printing?

The reality is that ngons present problems in a number of different ways. They can ruin subdivision, which may be needed to smooth a model for 3d printing. They also can ruin UV unwrapping, which can be needed for 3d printing or 3d game output. So either way, they can present problems. Yes, most tech can "handle" them now, as far as geometry is concerned, but regardless they still create problems in the mesh. If your ngon is used on a perfectly flat surface that will not be subdivided, then you are probably safe to keep it. However, it could mess up your UV's too.

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