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So I have a character with a dress/gown and I want her to rip off the "skirt" part of it for bottom-only nudity. Is this possible? I figure it has to do with cloth sim and triggers, but not sure.
You can't rip the clothes, but you an make a alpha texture (transparency), apply it using a trigger, better yet also a ripping sound, and that would work.
Depending on your clothing, if it's divided into materials you could hide certain parts of it with the alpha adjust slider for that material.
If you don't know what alpha textures are, take a look at the instructions in my resource Alphas