Make sure you get Nerd's freebie booties and mittens out of freestuff; they will save you no ends of trouble. If you take a look at the forefinger on the right hand, and the thumb on the left, you can see that they have interpenetrated the cloth. This tends to happen with the extremities, as the very small polygons can slip between the vertices of the large cloth polys and get caught. For stills this may not be too much of an issue. In, say, a walk cycle, the character's arm swinging would pull and twist the cloth with it, making it at best wierd. This could also cause a collision violation and lead to the simulation stalling. Nerd's props are simply very large polygon covers for the feet and hands, to allow the cloth to collide against polygons about the same size. They don't interfere with hand or foot motion, and can't be seen unless you render in wireframe.