Now, I can't comment on what other companies are using and I'm not talking about our rigs at work. I'm just dreaming of a super simple setup for cloth and hair, so you can "easily" do something like this:
Wouldn't that be a nightmare right now? You might tell the sim what to do on a broad scale, but you can't really animate, shape and tweak their clothes, hair, the napkin, the pillow and the blanket as easily as posing out your rig. Or can you?