Cloth in skeletal mesh not colliding

I have watched a bunch of videos on cloth in skeletal meshes and know how it is supposed to work but the simulated cloth never collides with anything. I am able to see the cloth sim hanging in the skeletal mesh window but it goes through all meshes and physics asset capsule colliders and so on. Videos show it bouncing off those capsules. In Epic’s content examples / cloth, I can see that it does not really use the physics asset, I suspect it collides something created from the old deprecated Apex cloth importer called “spheres”. I started in 4.25 but also tried 4.22. Does anyone have this working on their own model? DId you use Physics asset colliders or Apex? Are there any example files I can see?