A tool I developed while working on MBC Ramadan TV spots, you can check them here..
I was tasked with cloth sim and some of the characters were curvy or with a large muscle mass that made it hard for me to use as collision for the cloth sim, as you can see from the characher on the left aloooot of flesh intersections.
So my system will identify those areas, smooth and push them out of the body, well of course it's gonna destroy your mesh in a way not proper for rendering but again put in mind you're only gonna use it for collision.