You're very welcome, Zeljko Grgic,
The values are critical; the more nearby points have higher values (Vertex Map), the easier they split. All of that is in concert with all the Tearing parameters.
https://help.maxon.net/c4d/2025/en-us/Default.htm#html/CLOTHTAG-CLOTH_PBD_SETTINGS_GROUP.html#CLOTH_PBD_TEARPAST
(scroll down)
Going by your setup, I feel that you have already a good handle on it. I guess trial and error (i.e., gaining specific scene-based knowledge) is the best method for the missing parts.
I would say that is a simple do this, do that, as even the Friction Force can add to this equation, which might be counterintuitive or logical, depending on which perspective one is looking at.
Sorry to be that blurry. Simulations are based on influences of all kinds, making them feel complex.
Cheers