ooooo.  do you know how to do rigid bodies?  because if you could give me a lead on that, i'm pretty sure i could get them both to work together.  it shouldn't be any different than combining clothes and any other kind of controlling animation.  i could tell you how to do that in a snap if you don't know how.  if it's some other issue, like how fluids and cloth won't respond to each other, then i'm stumped.  but the thing is i haven't been able to find a good rigid body tutorial.