Complex Collision on a Simulated Body?

Long story short, I’d love to make a sailing game where you can walk around on the sailing ship while it’s being simulated, and actually interact with things. Is there any way that you can have complex collision geometry on a simulated body that a player can walk on? This video I recorded shows me walking on a simple collision of a boat, but trying to use complex collision causes the body not to simulate.

CPP and Blueprint ideas are both acceptable, if any. If this is just a limitation of the engine, is there a way that I might be able to get around it?

Have different collision for physics and collision.
Have one with simple physics, and simulated as it is now, and attach another mesh to it, hide it, but set collision as complex, turn on collision with pawn, but not with physics