@ asha_hardwire
G'day,
In order to apply different textures to different areas of the same model, you must apply a "surface name" to each area. To do this, select the polygons you want to give a new name to and hit "q". The "change surface" window will appear, where you can type in a surface name, change the basic colour and activate smoothing etc. for the selected geometry (Once you have made a new surface, you can modify the name, colour etc. in the surface editor). Bear in mind that all geometry starts out with the "Default" surface name.
So if you want to apply a leather texture to a character's hands, to resemble gloves, select all the polygons that form the hands, hit "q', type in a name (like "Hands") and click OK. The "hands surface will now appear in the Surface Editor, where you can select it and apply whatever texture you want.
As for making scales, unless you have a super-computer, making each scale would crash most systems before you had finished modelling them all! Most people would create a "Bump Map" - a grayscale/black and white image that creates a ....well.....bumpy finish to a surface! Here's a link to a fantastic example of an iguana by ekho:
http://www.renderosity.com/messages....essage=2160971
Goodluck!
Cheers! priimate.