General questions from a complete novice - Process of making clothing and armor

The pieces that has cloth movement based on physics need to be separate. You can attach them the same way weapons are attached. Imagine a skirt. The part which touches the waist is rigid (that part has the attachment to the waist), so it will not be painted for cloth animation, the middle part will have a crescent gradient until it reaches 1 value (or near 1) at the edges, meaning they move more than the upper part.