Thanks for answering so quick on this one Aiko!
Aiko is correct on all counts, and regarding the last question, I've tried copying/duplicating nCloth objects, but they never work.
I found that making a preset of my settings, and just applying them to new nCloth objects works a bit better.
I'll ask Duncan B. at Autodesk about this today and get back to everyone
Israel "Izzy" Long
Motion and Title Design for Broadcast-Film-DS