Here's a test using verlet physics since I've been using that a lot lately. Looks more like a pony tail, but if using a distort mesh stretched over the points it may look better.
dropbox.com/s/niureg675c6ae8h/scarf_verlet.capx
Further test adding wind and air resistance. Events got a bit messy. Not super happy with the wind.
dropbox.com/s/37fi58li47jpspc/scarf_verlet_wind.capx
There are probably other creative ways to make more appealing scarfs.