All (action)games I know of don’t have real and proper surface collision detection, except some physics games. Just an example: If my Char hits something or someone the weapon goes straight through without any physical reaction, it just counts the damage I’ve done. Are there any games out there, in which physics are calculated correctly and taken into visual account?!
Check out Exanima.
There’s a nice video of theirs showcasing some complex object collisions - https://www.youtube.com/watch?v=R9-ihvHJdJE
And some neat cloth physics at about 14:25