I always wanted something like this when playing races with tails, but the other way around. I would have preferred if my tail wasn't animated when I was wearing an article of clothing where it would be covered by the cape rather than have the tail clip through.

Honestly there's a lot of work that, hopefully, they can do with capes in the future. But they have been getting progressively better about this over time. Stormblood capes had a lot better physics than Heavensward (compare the Sigmascape gear with capes to the vampire vest from the All Saint's Wake event to see what I'm talking about)