if you don't use bone animation in MED, you won't need it to simulate what you desire. use bones in your favourite 3rd party modelling/animation/3d suite and export it as fbx with vertex animations. you only really need bones when you want to actually simulate it rather than just animating it.
Cool, right now i'm waiting on the place that handles buying 3dGS pro, i was shot down 3 times trying to buy it on the 12th, so i'm waiting to see what the problem was in trying to buy it. Can't wait to start making games with the ever popular JIGGLE! :p