I have only ever used ncloth for clothing. I model the clothing and then convert it to a ncloth. If for example I made a cape I would create it as a poly object and then convert it to a ncloth. I would then select my character and set it up as a collision object. Then I select the vertices on both the cape and around the neck of my character and constrain them. Now when I play this the cape stays attached to the character without flying off.

Good luck and hope this helps.