Quote - OK we need lots of info.
What games made with what engines on what plaforms have dynamic cloths ?
and how do they pull off such a resource killer ?
Do ya half to code in assembly ?

I don't know how it's coded, I just know that it is used, and it doesn't seem all that resource-intensive. 

SWTOR uses some type of dynamic/physics-based cloth for their cloaks and robes. 

Here is a video from CCP demonstrating the physX cloth that they were using in World of Darkness - the vampire MMO that was cancelled last year (or earlier this year)

http://www.youtube.com/watch?v=mrtwESnTOwY

Quote - > Quote - Quad meshes are also useable, just not standard.

This depends on the target platform, and saying it is not standard is odd.

Most game models for PCs and consoles consist of tris. Whether they were modeled as tris to begin with or teselated afterwards. That's all I was saying. Standard for most games is tris.