Does extra Collision on Characters HAVE to be simulated?

Like if I want a complex collision on the mesh, am I stuck with the Pawn or is there a way to “add” the collision without enabling physics? As in, I don’t need any gravity or any such fancy things. Just a collider volume that can return/fire hits more accurately than a basic capsule.

I know Pawn is there for that, just curious if there’s a faster way. I’ve tried adding child actors from other BP’s, but that doesn’t seem to work.