ummm, are you even reading at all before posting completely stupid things as a whole new thread?
Cloth is a dynamic simulation of real cloth-like effects. If you want your characters to not go naked, then model them some clothes. Cloth does not do any modeling for you!
And hiar can be done just fine with polygons or with paint FX, since Maya Hair is a dynamic simulation of real hair.
'nuff said- and before you post 5 new threads today, do some research.
Matt
Live the life you love, love the life you live