I don’t use C4D, but I’d bet finding a way to do sub-pixel displacement, or out putting a smaller mesh with a normal map of the finner details would be the way to go. Even in XSI, unless you have an Uber computer and/or video card, loading a 5mil model can put a cramp in your style in my experience if it has UVs applied etc. XSI is supposed to be one of the best in these regards…so
I’d start at say 3mil If you have to and try and import that if you have to into C4D and see how that goes…then try higher and higher…
At some point though you’re going to reach the point of diminishing returns where a normal or bump map would make more sense.
Near the end of this tutorial it looks like it goes into Sub pix-
http://digitalproducer.digitalmedianet.com/articles/viewarticle.jsp?id=79051