Quote - as you can see, the simulation tore her skirt off, and left her half naked.

That's a bit unfortunate indeed!

Do you have any objection to sending me the mesh and having a go myself? I'm intrigued now, since I've got a bunch of settings from my Weekend of Frustration that are now working on just about everything I throw them at, as long as I don't want to mimic any particular type of fabric and just want a basic "draped material" look.