Animating a ragdoll tail object: how do I tackle this?

I am trying to animate a character with a tail. I want the tail to be driven by ragdoll physics most of the time, but be driven by animation other times, such as if it's wagging. How do I tackle this both within Blender and Unity?

 

I've been looking around, and the closest thing I can find is these.

http://www.farfarer.com/blog/2011/07/07/unity-skeletal-ragdoll-jiggle-bones-tutorial/

However, the main issue is that, following this method, the physics driven bones should not have ANY animation put on them. I absolutely need the tail to be animated during some moments, but not all.

 

Create an armature for the tail. Export the animation as part of the fbx. In Unity use masking/layering and other goodies to drive its animations via whatever method you prefer and play independent from the state of other animations.

Then there are blendshapes. There's that as well.