My tests confirm...a lower-res collision object works much better for simulations.  I'm guessing the sim goes from strand vertice to object poly, so the bigger your polys the less likely you are to have a hair go through a vertice, perhaps.

I've made a gimp suit for V4 in clo3d and kept it low poly and am using this as a stand in for hair creation/simulation.

If you're only doing stills, you don't need to add frames...it just gives more time for the sim to become confused.  Just let it drape.