This tutorial introduces you to the idea of merging skinCluster deformation/Blendshapes with nCloth simulations.
Instead of exploring the nConstraints, this approach uses blendShapes approach and geometry cache to achieve the required result.
if you have a scene that does not have blendshapes, but only joints and cloth dynamics, definitely watch this tutorial:
youtube.com/watch?feature=player_embedded&v=xvvARfwE95Q

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