I tried out unity cloth in vrchat again, inspired by recent posts. I made the world's simplest skirt in blender from a 20-sided cylinder without caps, 8 loop cuts vertically, then some manual fitting to the avatar body with proportional edit. Also pleated slightly by selecting every other edge loop, scaling slightly in XY plane, and rotating in XY plane. 200 verts total, except I merged one vertex to try to get under the 'Poor' avatar rank (spoiler alert [spoiler]anything above 100 cloth verts still poor, the docs are wrong.[/spoiler]).

Spent a bunch of time fighting unity's awful cloth painting UI, which is extremely buggy (search unity forums for workarounds if the UI dissapears on you). Added some capsule colliders on the body and on the fingers.

It's not bad. The low vert count makes the cloth pretty stiff-looking however. webm related is using the UTS phong tesselation shaders, which help a little bit in making it look higher poly, but not as good as actual subdivision.

will also post screenshots of mesh and unity cloth settings.