I guess the full version is needed from Houdini to develop assests, NNenov, last time I checked.
https://www.maxon.net/en-us/products/houdini-integration/
The difference that needs to be clear is the use of Houdini assets vs the creation of Houdini assets.
http://http.maxon.net/pub/houdini/documentation/Houdini_Engine_Plug-In_Documentation.pdf
It is possible to use assets, but the creation of it is limited to specific versions of it.
If you take any complex object to roll it in any direction, the underlaying algorithm might get very complex. From my point of view too complex for this forum, as any (complex) coding in Python or C.O.F.F.E.E. is more and better supported here:
https://developers.maxon.net
The main question that I would throw at this is certainly based on the practicality of such development, do you really invest a lot of time for a few uses or do you like to invest this time more into alternative animation methods, which might allow from the start to feel more like an artist and art-direct your outcome, rather than a predictable physically correct algorithm, with a lot of time investment before any visible result. Of course there is the learning factor, which I certainly see. If this is a standard thing required to do, perhaps suggest it to MAXON or develop it.
Enjoy the ride.