Mcloth with characters is so limited you can always use ragdoll but its limited to some situations and will never act in all cases , the tool is just simple work around problem. http://4.bp.blogspot.com/-rEL0Zh6qXXU/UU_pIRIC1FI/AAAAAAAAAAc/IWJIzaEXCd…
the script use polygons as collision for accuracy
support Editable mesh and Editable poly
-- a Tutorial added "English"
Additional Info
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Whats new to V.1.0
its 100 times faster than old method or more if your animation range longer
possible bug maybe : new create collision method , it makes issues with memory sometimes , it happen with me once but it work fine most of the time so Give it some tests and feedback
old collision creation method is still availble.