Shrink wrap collision for in world object

Hello I have a bit of a problem. Im trying to figure a tool or workflow for collision that
I need a pretty specific tool that can essentially shrink wrap collision.

Simplify the collision so piles of geo dont have collision thats not needed Smooth out the player walking through the space so they dont get snagged or bounced (some of the geo is larger then his foot so turning off the collision wont work

Avoid trying to hand adjust all the world collision

Work with both static and instanced meshes

Then turn off the collision on the wrapped meshes so we arent paying for the additional collision.

Any ideas on how to solve for this?