cloth as in shirt/pants? or cloth for a table? Most of the time i model all my geometry to look like what ever i need it to be... But depending on the situation some times i use maya cloth or sofbodies.
Once I find out what your planning i'll be able to suggest which way would be best for you project.
I am enough of an artist to draw freely upon my imagination, knowledge is limited, imagination encircles the world. (Albert Einstein)
https://www.artstation.com/kurtb