i do for most of my stuff a retopo... but thats not a must its more cause i like my topo clean...
and its part of my workflow...
if you are going to work for stills there is no need for retopo at all... except the polygons are going to be stretched like wild and you are not able to sculpt annymore...
but if you are working for animation you have to create a clean animateable topo...
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