In your case all the stuff is used in same place so it doesn't really matter, since all textures would be loaded anyways. If props are different and used in different locations then you might want to separate them so it can be streamed properly.
There is always way out. I just made a quick test. Create plane add ncloth create locators along the middle edge parent locators to verts parent bones to locators result: bones are moving with the simulation and only 5 mins spent on this THe next step is to skin the lowpoly mesh to the bones and bake simulation and export…