An armature should be made so the animator doesn't get distracted from the performance
because they're fighting with the armature.
 
So when I'm in the design phase with a client, I strongly recommend having the "base" of
the armature be jointed - legs and hips for sure,and preferably the spine as well.
B&S arms and what not are defititely nice, but when you're on a budget (and who isn't) you
compromise. I figure it's much easier to deal with the springiness of wire in upper
extremeties when you know the base is solid and easy to pose.