Sorry neither of them, I'm using Maya Complete, I cant afford Maya Unlimited just yet for the cloth, and I tried a demo of the Syflex plugin last year, its a bit too much set up time still but it calculates a lot quicker than Maya Cloth which is great!!!
I'll be using SDK on blend shapes for the clothing , even though I wont be doing any animation. I'm doing a 3d graphic novel so it will just be the poses and facial expressions that will matter the most.
The blend shapes will control things like sleeves, Jackets and other loose bits of clothing so they will look right once they are posed