It really depends on the use of the specific piece of cloth. You can create JIggle/Leaf dynamic bones and then bake them before exporting or you can use APEX Clothing for UE4 for example ( a basic video: Redirect Notice)
for the dynamic bones baking you can process like in this video, it works also for UE4: https://www…com/watch?v=WLbVR8zKIq4