Hmm...  Yes the multi layerd skirt could be soft decorated like you did (looks nice too), or separate simulations...   I am wondering how it would work to have it in the same object but with self collision?  

It would have the advantage of colliding with the rest of the skirt if she bends.. As soft decorated, the ruffles would just move through the dress..   

And yes Iceboy, don't ignore the EULA. :)