Hey there,
note, i am not an artist, so i’m only commenting and not giving a real answer:
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This is really up to your Mesh. If you only need one mesh, then it is good to go with only one. If you have something like different helmets or something, then i would use a second mesh for the helm. Extra meshes for fingers seem a bit weird to me though.
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I don’t think so. As long as the bones work in your 3D Programm, the shouldn’t be a problem in UE4. Just export them an have a look. I did this in Blender and it all worked fine without even looking at the names.
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You better do Animations in your 3D Programm. They are suited for this. Unreal Engine Animations can be used to create new animations on the fly that aren’t very complex. Or to correct an animation that you made without going back into your 3D programm. But i wouldn’t use this to create full animations.