It's not linked to the memory you have but to the calculations required to make the simulation. I assure you that with right parameter values in VWD it's not a problem and I simulated all kind of clothes and hair I wanted. Fluidity of the simulation is essential when you do manual adjustments or for an animation.

In the manual: " Distance min. is there to reduce the actual springs it will generate by skipping those below that distance. " Tick and try with default value, if it still don't works try with 0.9.