I’m not an expert on the subject, but here’s a starting point: https://m.youtube.com/watch?v=un6ZNdcxQIk
My guess is that you can advance from cloth simulations to grasp the concept of realistic physics for fabrics, and do a similar thing while dressing your models. But instead of “stretching” them to make them hold onto the model, just fix them to the location once they cover the targetted areas