I'm using a polyplane with a combination of clusters, cubes, and spring constraints. Then simulating with gravity. I just wish I had nCloth, fluids, and fur...I could do so much with those tools. I don't ever see that happening though. A person can dream though
Edit: The animation is on the springy side but that's easy to fix by increasing the spring stiffness and dampening.
Don't be satisfied with what you can do but rather strive to do the things you can't do!