to be honest I would figure some one in that super rare to be 1 bone less.
I know you are going for super high ultra realistic cloths, robes, wings, etc but don't always keep this in mind.
If the players can't play it doesn't matter how realistic it looks.
Also the problem is when you break the threashold it doesn't run the 1 bone it runs all the bones for the character via cpu which isn't built to handle it, like gpu's are. This will be fine for the other players, cause as you state should be a really rare case. but the guy that has that rare combination will have a support ticket in with you every day. He will make a huge fuss over your engine being broken, on your forums, and will show his poor results on youtube and get 2 million hits, making for a public relations nightmare. Since it will be easily reproduced by others, it will become the norm.
Then best of all is the smart guilds that exploit this effect, where a guild runs this character setup, just to zone grief other players. So basically you could have 200 people walking around zones bringing down client after client.
Not trying to be doom and gloom but gamers are a-holes and will do this stuff all the time. Just look to any game out there. Even back to Ultima online days, where we use to lay down 1,000 daggers at the dungeon entrances, so when the player crossed over they would lag out hard, while everyone else already in the dungeon had loaded all 1,000 daggers so they didn't have the lag. Made killing people so much easier when they couldn't fight back.
Now it's possible that by the time your game launches, everyone will be running nvidia cpu's that function more like gpus. Or they might change the gpu structures and such to handle more, but are you willing to risk your whole game and 5 years of work, for that one extra bone to make that cape flow just a tad better?