you can either run two simulations and export the cloth at the end of one . import it for the start of the second. Or you can learn to use the choreographeed group to help contol drape and positioning.

example. cloth around neck , ends draped down chest of M4.

1. position M4 , face down with cloth scaled and positioned over the neck, edge down and almost vertical.
   at frame 20 keyframe m4 same position,
   at frame 60 set m4 standing - final pose for picture , head and neck as close to same place as you can manage.
   run simulation

• cloth should fall and collide with the neck , draping over it with ends hanging vertically down
• at frame 20 M4 should start to move upright and the cloth will begin to drape over the chest area.