Cloth stretching problem

I've been experimenting with Unity's cloth, and there are several big problems. One of the worst is the fact that if you increase the number of vertices in the mesh, the "stretchiness" automatically increases regardless of settings, to the point that a 100x100 quad mesh stretches so badly that even the slightest simulated breeze will pull it an enormous distance, like thin rubber being pulled by powerful machinery. This is grossly unrealistic and unworkable. I haven't been able to find a reasonable fix, not even adjusting the settings to stiffen it as much as possible. Sure, I can reduce the number of vertices but this makes it impossible to have realistic clothing or even realistic flags (since actual flags develop numerous small wrinkles and folds as they flutter in the wind). Clothing needs to drape over the body and settle into folds, which is impossible with only a course mesh of 20x20 or so.

Does anyone know of a workaround, or an alternate cloth sim that works with Unity, or freely usable code that I could use to make my own? I'd rather not have to write my own completely from scratch, since I don't have time for that.