When texturing a character is it better to bring the entire character with clothing and all the parts into substance painter together and simply have the different materials split into different udims, or should I be making different materials for the different pieces (example: skin, boots, eyes)
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Often artists will split a character into body vs head. With a third material for transparent parts (hair, eyelashes, etc.)
Clothes would be in the body material, unless the character has multiple clothing options.
If you're doing a portfolio piece, not for an actual game production, then don't worry too much about specs. Just make it look awesome. Optimization techniques will come later, after you've got the visual quality bar.
*Ignore my uvs... im terrible at them *