Hey Ricardo, great question! If you’re not aiming for this to be part of a game, the use of subdiv is entirely based on what’s more practical and easiest for you. You should still combine similar parts into one UV map where possible, as that will make it much easier to texture in Substance. I’d recommend checking out this course for that type of workflow:
https://cgcookie.com/course/the-blender-substance-texturing-workflow
Happy texturing!
