If you've got pro edition or know how to handle newton physics, then it's not that hard at all ...

It's probably the easiest to make it a bit like ragdoll physics. Create invisible boxes and link them all together using the physics engine of A6, put bones in the scarf and whereever the boxes are pushed to by physics forces, the scarf's bones will have to respond accordingly ... Off course this probably sounds easier than it is, however it's feasable for sure.

Cheers