Thanks everyone!
The coat... XD That was a mess. I tried everything - even syflex in softimage. Ncloth was pretty good, but I ended up with Qualoth for maya as it is the most accurate cloth simulator and it gives the "best out of box" result. Ncloth is more tricky and demands a lot of tweaking and animating of parameters like accuracy in "difficult" moment. Qualoth allows you to tweak and resimulate only the vertices that penetrated the colider or itself so you don't need to recalculate the whole scene! Great and Intuitive!
Cheers! :P