^-- But how will u animate the "Dress/chains" ?

I'm not even sure what form the chains will be in the game ready model. I can use 3ds max and a physics simulation but it won't be clean and looping animation. I could simple assign them to animated splines in max and the exported model can be a second model using point animation. Or do the same and convert the aSplines to bones. I could end up turning the chains to a texture and just assigning that to a alpha skirt like the bottom in the very first pictures, this can be bone or again a second model with point animation.
It's a bit ahead for the moment, so I have time to figure out a better plan for them.