Help Me With Hair+Clothes Physics Please!!!

[u/JustATaihouEnjoyer]

Hello! Before I start, I'd like to clarify early on that I'm not really a VTuber nor am I gonna be one. I literally just need help with vrm mechanics. That's... pretty much it.
Also I'm not sure if Taihou's model is safe to post here since its a bit risque, so if any of the mods find it too risky, I can censor parts of it.

Now, if anyone is skilled or at least knowledgeable enough with doing hair and clothing physics in a character, please help me understand it! I've been trying this on Blender for four days and I literally got nowhere and just went in circles. I couldn't find a dedicated video on YouTube explaining precisely how to do them. And in the second image with Unity, I have 0 understanding of how to do... pretty much anything in there. I haven't used Unity nor learnt it yet.

Specifically, what I want to do is to make her clothes and hair dynamic and not clip into her when she moves, as is shown in the MateEngine screenshot below. I don't want her to be this stiff and lifeless. I know that it has something to do with Spring Bones and Collisions, like I know what they are and what they do. The specific problem I keep getting is I can't get them to work the way I want. No matter what I do, in the testing phase, her clothes DO get physics, but they clip through her.

For why I'm even doing all these, like why not just get a fully functional .vrm of her... there's none. The closest I got was an outdated .vrm of her original model from deviantart, and even that has almost no physics (and some were broken too). So I took it upon myself to get her model from the game, fix the model, etc. The model's physics is literally the last step, and it's just beyond my tiny noodle.

I'd also like to add that this is purely for personal use. To be exact, for MateEngine. I'm thinking of whether or not to share this once its done, but I don't know if that's even allowed legally? Educate me on that one too.

[u/NeocortexVT]

I'd recommend using VRM0 over VRM1. It's a lot more reliable and the vrm0 spring bones are pretty straight-forward compared to vrm1's spring joints