Blender 2.49 only accepts Triangles or Quads. So, you can't have a polygon with 5 or more vertices (n-gon). You can split an edge in two by selecting the two verices, pressing W and then selecting "Subdivide".
Or you can add an edge loop to a series of faces by pressing Ctrl-R + Click + move the mouse + click.
Blender 2.5 lifts the limitation for n-gons but for character creation tris and quads are a requirement.
The book that I show in part 7 is actually one of the best resources about character definition in Blender.
Another thing that you might look into is DAZ Studio:
http://www.daz3d.com
The basic version is free and so are all the base models (V4, M4, G4). With the current beta of Studio you can export via Collada. I tried it and I was able to import the fully rigged character in Blender 2.5.
It's still pretty rough but when both programs will be finished character migration from DAZ Studio to Blender will be a reality.
In the meantime you can download V4 from DAZ andd load the .OBJ in Blender. That will show you the full mesh , which is an interesting study on character modeling with quads. It's about 70,000 polys :)
--
Paolo Ciccone
Pret-A-3D
http://www.preta3d.com
http://www.paolociccone.com