OK!!! AFTER SEARCHING FOR THE ANSWER FOR THIS FOR TWO DAYS WITH NO EZ SOLUTION.
I HAVE FINALLY FOUND THE SOLUTION TO THIS AND DECIDED TO SHARE IT WITH YOU ALL.
AND ITS EZ AF!!!
- Enable physics for the capsule as default
- Add sphere collisions for the head, make sure it’s overlapping with the capsule.
- Use code to disable capsule physics.
YOU ARE WELCOME