Record the cloth/hair decision: simulation stays out of scope

TODO.md

@@ -122,8 +122,12 @@ licence-free zone only.
       neutral/runtime-tinted (not painted skin), so density controls only subtle weave/noise, and
       fabric already sits in the standard tier. No atlas/UDIM/resolution change is justified until
       a portrait shows texture starvation; `CHAR_MAX_TRIS`/`CHAR_MAX_VERTS` stay unchanged.
-- [ ] Cloth and hair: re-check coat/dress hem clipping and the hair/beard/headgear meshes against
+- [x] Cloth and hair: hem clipping is already handled by the 0.76 stride scale for `npc_dress`/
-      `hair-groom` guidance; decide explicitly whether cloth simulation stays out of scope.
+      `npc_coat` (v0.9.0), hair/beard are the five procedural styles, and headgear clearance is
+      verified clean by `blender_assets.py fit` (0.9.4). Decision: **cloth simulation stays out of
+      scope** for the 8-variant library and the Compatibility renderer — rigid procedural meshes
+      plus stride scaling are the accepted approach; a baked cloth-sim pipeline would only be
+      reconsidered if a later close-up shows visible hem/coat stiffness.
 - [ ] Fix only the ranked P0/P1s, one asset family per commit; refresh the comparison sheet and
       re-run `inspect`, `audit`, `fit` and `npc_proportions.py` after each fix.
 - [ ] Build a licensed real-photo reference board for crowd variety (ages, builds, hair, outer