I personally haven't modelled anything in years... we have modelers for that. =] But, for games, we exclusively use polys. Subdivs are common for movies. You should see the model library we have access to from ILM... most of the models are so heavy they choke my dual Xeon 2.4 Ghz box with a gig of RAM.

I'll see if i can't get you a blank rigged model sometime today.