Hands and fingers Thread

I want to start a bit of a discussion about hands in 3D models. I am currently working on models for my strategy game. I want to include a close-up possibility in the game, so I am wondering about hand detail in the game. Generaly, I am making low-poly models. About 2-3k quads per character. Would you model each finger or make a four-to-one finger model? The four fingers model is surely easier to model and animate, but how noticeable is it? I want to emphasize the fact that I am mainly a programmer, so my apologies to all the artists out there.

Here's my findings about hand models:

Fist hands: very low poly, easy to animate/no animation required, kind of difficult to texture
Mitten hands: low poly, possibility for some animations, texturing not too difficult
Full hands: higher poly, takes longer time to setup the skeleton/rig, can animate all fingers separately, texturing is sort of easy

I think it depends how close they can be viewed, and how important/useful that close view is, and how important are detailed finger animations in a strategy game.

Personally I don't even bother with full detailed hands for first person shooter games. If something does need all fingers modelled separately, I'll model them to a pose and animate with as few bones as possible.