Tearable Cloth on a Character

[arkanis]

So I understand that skinned cloth cannot be tearable, which is unfortunate as I was hoping for that in my use case. I am running a simulation where you have a patient, and if they have an injury you would cut the clothing off of the injured body part. From what I understand from the videos the reason that clothing is simulated with skinned meshes is because if the character moves suddenly they would probably lose the clothes.

In a use case where the character will not be moving fast or often, and behaving more like a mannequin, would it be a reasonable use case for a tearable cloth?

Thanks!