With cars, a lot of games are starting to just use pretty dense polycounts on areas that are car paint with normal maps, and normal map anything else like the interior. If the car is going to look new, that many be a good way to go, but if its meant to be beat up and a background prop, I'd just use normal maps for the body as well.
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http://eat3d.com/dozer_part2
There will be a part3 as well.
Good god that looks like a monster of a task! I CANT WAIT!! HAHA.
What will part 3 include?
Texturing (confirmed), UDK import and setup probably. Anything after texturing is still a bit vague, we're figuring that out soon...
And yes, this thing is a monster of a task. I don't think you really want to make a vehicle any more complex than this by yourself