Any good tips for physics assets?

Working with cloth paint right now. Character has a skirt. Goes through the back to easy and gets stuck on the front.
I’ve moved/resized the assets a lot but nothing works just right.

I’d like it to just stay off her rear, hips and thighs like a skirt. Not concerned with arm or hand clipping since most animations shouldnt cause that any way. But running and idle…ugh

Also is there any solution to the soft bodies?

(concept here is going to be an excessive, on purpose, anime trope. It’ll be told from a “nerdy fan boy” perspective so side scrolling action lots of flashy stuff and a buxom female anime character as the heroine so yes I know my model is a bit, unrealistically built)