Gwynn has now evolved to have Physics Enabled Gowns
So these 3 ladies have Physics Enabled on their Dresses and the Tips of their Hair.
They also have Body Spring Enabled.
Things to check for Physics Characters.
Load Character into scene
Go to Modify - Collision Shape make sure that Collision is On.
Then in Modify Panel select Physics and check that Active Physics and Object Gravity are Ticked.
The same would apply to physics accessories check that Active Physics and Object Gravity are Ticked.