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Does anyone think that 3200 polygons is too many for an online game character? This would NOT include any clothing to go on later... btw it's kinda next-gen aimed as well so...

Well, it's not over nine thousand!!!!1!!

What kind of game are you talking about? That makes all the difference. Assuming this is for an MMO, that will be somewhat "next-gen" poly counts. I think most compatibility-minded MMOs shoot for around 2500, and only small additions for clothes (as much done on the texture as possible). While I am pretty sure this is not what you meant by "online game", an online basketball game could easily have 10 - 14k or more per character because you know only a small amount of characters will ever be on screen at once. MMORPGs, however, always have to go as low as possible for their target audience because the mechanics encourage "clumping" of populations and you have almost no control over how many will be on screen at once.

Theoretically I'd like it to be an MMO but its hard to get a following like that. I do appreciate the input actually, but I am going to be keeping the polycount to what it's at seeing as clothing wont add much, it's not going to be armor or anything really, just basic clothes..

Yeah, 3200 isn't worth re-modeling by a long shot. If you said your characters were around 13k, you would likely have a problem

3k isn't really a problem, remember most of your assets live on the end users machines anyway. Its the calculations that happen server side.

What would make you take that into consideration is how many people you intend to be on screen (WoW's characters are around 3k total because they want so many people to be able to be on screen during a raid.)