HI Arty McLabin,
It wouldn’t make much difference, depending on the game and its mechanics . . . generally speaking characters would use the capsule for overlaps and the mesh for collision. But if you want to use the capsule for collision as well, if that suites your game, i wouldn’t worry about the overhead of a few capsules, although if its hundreds of characters at once, that is a different story, you will want to minimize processing as much as possible.
Let me know if this was helpful.