When you use terrain chunking is your terrain one mesh like many demos I have seen or do you have to split up each mesh? I am trying to create a large terrain like most rpgs or mmorpgs.

Manual
Terrain is automatically nonchunked if its file name ends with "_n".
terrain_chunk = 0; // disable chunked terrain
level_load("myterrain.hmp");

So I can have my terrain as a large piece and the engine will chunk it according to script or do I have to have it all in smaller sections?

Manual
The engine's sophisticated terrain rendering algorithm unfolds its power with chunked terrain. On loading, it's divided into square chunks that are stored in a cache, are separately clipped when outside the view frustum and are rendered P in different resolution steps depending on their distance to the camera and the terrain_lod setting. This method allows for much faster terrain rendering and theoretically unlimited terrain size.