The habitability of your planet will be determined not by the magnetic fields, but rather by the conditions required to generate such fields.
Ultimately, the magnetic fields of a planet are driven by convective cycles in the molten metal interior of the planet. These cycles are complex, and generate complex magnetic fields with many poles. However, as you move further away from a planet, the strongest two poles dominate the others and generate a magnetic field that only appears to have two poles. (Unless you measure it really accurately.) On Earth, the distance required for the other poles to be less noticeable is less than the radius of the Earth. On the sun, this is not the case.
While the sun is still dominated by a deep helical dynamo that generates most of the magnetic field, at the surface, local convective effects are stronger than this dynamo and result in localized magnetic fields and poles at the surface of the sun. This is due to strong convective behavior close to the surface, which is not present on Earth. Our planet has something like 8 smaller poles created by convective currents in the mantle, but they're not as strong as the primary magnetic field at the surface. This is in part due to the coriolis force organizing the convective processes in the Earth in the same direction, and in part due to the depth of the mantle on Earth, and its relatively low levels of activity.
If you want to increase the strength of the magnetic field and get more poles, a good start would be to increase the convective activity of the Earth and to reduce the coriolis force: i.e. make it more volcanically active and spin much slower. While space faring travelers would still read a dipole on their sensors, this would make inhabitants on the surface experience a much more complex magnetic field, in which fields driven by local convection are stronger than the global dipole at the surface.
Creatures living on the surface would have to deal with a significantly more polluted atmosphere as a result of the volcanoes, although a water cycle driven by cooling on the dark side of the planet would help clean many of the pollutants out of the atmosphere. Their lives would be dominated by a long daily cycle:The planet would freeze at night, but as it turned towards the sun, all of the water would start to melt, resulting in a period of several earth days in which they could enjoy the morning. Of course, it would then start to get too hot, with the lakes and rivers beginning to boil away, leaving an empty desert too hot to sustain life. Animals would have to find a way of sheltering through the day until it darkened and began to cool, at which point all of the boiled off water would start to condense, before coming down in torrential rains. Finally, during the long night, the planet would continue to shed heat and eventually freeze. Surviving this cycle would be a challenge, although living deep in the oceans might help mitigate the temperature swings.
The location of the poles would also be chaotic, so animals wouldn't be able to use them to guide navigation. They might, however, follow a periodic cycle. This happens on the sun, and results in the Wolf sunspot cycle. Since they're intrinsically tied to the levels of convection, life on the planet might be able to internally sense the magnetic field changes and use them to gauge when the volcanoes are likely to be more or less active.