Faking wind on clothing and hair? You can do just that on the cloth and the hair room, no need for physics for that...

Physics is designed more to do pool table type collisions, and "rag doll" physics, like people falling off stairs, etc.

I have made some pretty sims showing Jessi turning apart a marble column, and stuff like that. As to advice, the longer the simulation computation, the "cleaner". But it really depends on what you want to achieve

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