A draw call is basically a batch of triangles sent to the GPU for drawing. In general every object with a different material creates another draw call (there are ways of combining draw calls, but that's beyond what you need to worry about right now).
Having said that. If your character is one mesh with one material, it doesn't matter how you created it. By one mesh I mean that when you look at your character, there is one mesh file. It is possible for one mesh file to contain two (or more) separate closed meshes, but that still counts as one mesh as long as they use the same material.
So if your character is like that, then you don't really need to worry about any additional processing time. If each body part is a separate mesh though, then yes, you will get additional draw calls. That isn't inherently bad though. It wouldn't be unreasonable to expect a character to be drawn in several calls if they were wearing several types of armor for example (so the materials would be different).
So be smart about it. You should definitely try and combine your character into one mesh/material, but there are legitimate reasons for having several draw calls for an important character and most desktop computers can handle it.
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