Many things are possible but there are polygon and parts limits to be honored to get models to export to the sim. Right now, I am in good shape with polys but now exceed the parts limits.
In fact I must delete parts from the interior and exterior model to get them to export successfully. (I delete internal parts from the Spot view model, and exterior parts from the VC model.)
Human figures usually cost a lot in polygons required and animating them is rather difficult in/for FS9. Low poly, static crew for the spot view (exterior) model would be simple enough, although if done, they really should be "managed" for location, time, show/not show, etc.
Moving the sails side to side can certainly be done and as you suggest, animating the running rigging would be most...