When using layers of cloth you have to use Cloth Collisions in your Simulation > Solvers > cpSolver.... It takes some time to make look right... Maya help index as a lot to read up on for you.
I perfer the geo type because i usally only need a shirt, I dont usally have to many charcters wiht different layers.
Hope that helps
Kurt
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