About complicated meshes for dynamic clothing: you can do very much with soft and rigid decorated groups. These haven't been used to their full potential yet. I wouldn't be surprised if the same level of detail that we find in high quality conforming clothing will be reached in dynamic clothing too, once the great cloth modelers adopt P5 dynamic cloth. I think the first merchant that releases high quality dynamic cloth with details like gems, pockets, belt loops, clasps etc will make a fortune.

The pen is mightier than the sword. But if you literally want to have some impact, use a typewriter

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