dp...by any chance do you have the figure sitting at frame zero? If you do, have her standing at first frame and then sitting down at last frame. There's no reason that should tear like that unless the resolution of the mesh is really low or some verts are not welded... And yes, your "Cloth Density" or "cloth weight" is really, really low. Take John's advice and turn it up more. Try 0.0200.

Laurie