if you're still wondering - let me put your mind at ease. Use Syflex. I repeat. Use Syflex. One more time? Use Syflex.
You model a REGULAR polygonal object, you click like 3 buttons, and you have your cloth sim. Yes you have to adjust properties if you want to be precise, but it's a breeze. Their wind algorithm is awesome. A 3-year old could use this thing.
Also if you are using it outside of production, email syflex and ask them if they can accomodate some sort of price for you. I did that and they offered the student price, even though I'm not a student - $200 instead of $2000.