Oh my!! That worked, AVANZ! (sorry, Rjjack - missed your post, so I'm just rendering results from AVANZ's suggestions). New wrinkle, this: apparently one doesn't always want to drape cloth, particularly for items like this. Interestingly, the neckline now appears to curve in towards the skin instead of out.

I haven't tried the stretch damping dial at all yet - not sure what that did, so i sort-of left it alone. I've have a go with that next, Rjjack... and thank you, both of you, for your interest in this!

I do like how cloth behaves ... like around her tummy and hips. This cloth is much easier to believe than canned wrinkles and folds... and she hasn't even sat down, yet.

Monterey/Mint21.x/Win10 - Blender3.x - PP11.3(cm) - Musescore3.6.2

Wir sind gewohnt, daß die Menschen verhöhnen was sie nicht verstehen
[it is clear that humans have contempt for that which they do not understand] 

Metaphor of Chooks