If I made a dress in MD or Blender and put it on a character model and exported it in FBX mode, how do I get the clothes on the model to display the correct physical properties of the fabric on the web page.
By “physical properties” do you mean animation, shape, and movement of the cloth? Or the material appearance and color?
The first is extremely hard, there is no short answer to that question. The second requires PBR materials, which Blender can export but FBX does not really support well. It is better to use glTF for PBR materials.
I created youtube tutorial on physics in three.js using ammo.js while back
The motive behind creating that tutorial was to showcase how one can have dynamic cloth collision with GLTF model using ammo.js wrapper because here very few resources out there for ammo.js
it uses the first glb of a bird… looking for mesh in the glb, it finds the bird mesh. for other glb, i have had to scale the read in mesh [ near my SCALE comment]. it takes a few seconds, but may help