It's pretty much determined by the textures (or, depending on what fancy stuff you do, the materials) used on an object. That is, each texture is one surface. Use three textures, that object is three surfaces. This however is referring to a single object. Every separate object is at least one unique surface. Thus continuing my example two separate objects with three surfaces each is 6 surfaces altogether. As you can see the surface count can snowball fast so you want to optimize by combining objects and textures together as much as possible (eg. instead of separate textures for each part of a character use a single texture applied with good UV coordinates.)
Number Of Polygons for a main character
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