tex coors?

Think of a simple example having a car model. There are a lot of vertices and faces. But I have problem to diecide wheter to have vertex based tex coords or to have three tex coords for each face. If I use vertex based tex coords, then I have to have couple of verices in same point with different tex coords. That’s not good. Or should I do the second way. Then I cope with much less vertices, but how to implement it using vertex arrays.
What is the best way? Is it possible to have vertex arrays without tex coords and index arrays with tex coords. I used DirectX before and there it was not possible. Any ideas?