Mcloth with characters is so limited you can always use ragdoll but its limited to some situations and will never act in all cases , the tool is just simple work around problem.
http://4.bp.blogspot.com/-rEL0Zh6qXXU/UU_pIRIC1FI/AAAAAAAAAAc/IWJIzaEXCdM/s1600/mcloth_.jpg
the script use polygons as collision for accuracy
support Editable mesh and Editable poly
-- a Tutorial added "English"