>>32100 (OP)
My policy is: make anything you want, but make visible progress before starting the next thing
Wanna make a character? model it, then go do something else if you feel like, otherwise start making the UV and textures, got bored? do something else, otherwise start doing the armature of the character.
The only important thing is making progress, as long as you don't interrupt an important process, you can't call a modeled torso and arms a character, model the entire body before calling it a day and do something else.
Just don't force yourself to do something for too long, if you decide to model ALL characters at once you will get burned, model one then work on terrain/level design, then model two more and go work on music, model another and make animations.