Hi Stormtempter,
One of our more prolific community members, Fighter5347, has a video showing the basics of Apex Cloth.
I’m not that familiar with Cloth at the moment but in Fighters video he’s setup a kinematic rig to have collision with the character it’s attached to. With this he is able to change some settings that will affect how much the cloth intersects with the character mesh.
Let me know if this helps, if not I’ll see what I can learn about Cloth to help you out!
Thank you!
Tim