Addon of the year – wiggle bones
this addon is just amazing, its free too check it out
wiggle 2.0 is an update to wiggle 1.0, this addon adds physics to bones in blender, all moving objects experience a force of inertia, the wiggle addon simulates that to your bone animation.
it also supports bone collisions so its a good candidate for ragdoll simulation, which is really hard to do without an addon in blender
Updated Version 2.1 Features:
- Wind force support
- More robust wiggling of bone heads
- Some rudimentary handling of bone constraints like ‘Child Of’ and ‘Copy Location’ for more rigging flexibility
- Baking option to push existing animation into NLA
New Version 2.0 Features:
- New Physics Logic: Wiggling now behaves more realistically, especially when simulating simple ropes or chains.
- Pinning: Using a damped track constraint on a wiggling bone pins it to its target, with other bones responding accordingly.
if you need clothes for your 3d character check out simply cloth
checkout fashionista for generating and animating crowds in blender