How accurately can Unity simulate a shooting scenario (Cloth)?

Hello,
I wish to know how accurately (compared to real life) can unity 4 simulate a bullet shot through a character under the following conditions:

  1. character with only T-shirt
  2. character with regular jacket
  3. character with bullet proof vest
    Is it possible create realistic simulations under the above conditions? and if so, how realistic will they be compared to the real life counterparts of the above? All is just for visual effects.
    Thanks.

Like all game engines, all of that is controlled by your artist(s). You-they need to build whatever graphic you want to happen; there’s not a ‘shoot a bullet through this’ function in Unity (or anything else I’ve heard of).

So, Unity will handle it perfectly, you just have to tell it how.