Bug Cloth Crash on 2019.4.25

We updated from 2019.4.20 to 2019.4.25.

Now all our cloth on character equipment crashes.

If I go and edit a prefab in text mode to disable the Cloth component, I get this in the Editor;

Code (CSharp):

1. IndexOutOfRangeException: Index was outside the bounds of the array.
2. UnityEditor.ClothInspector.InitSelfAndInterCollisionSelection () (at <d4ac95dcd11e4742ab912a6127ca6eb7>:0)
3. UnityEditor.ClothInspector.InitInspector () (at <d4ac95dcd11e4742ab912a6127ca6eb7>:0)
4. UnityEditor.ClothInspector.OnEnable () (at <d4ac95dcd11e4742ab912a6127ca6eb7>:0)

Here's the crash callstack

Code (CSharp):

1. 0x00007FF6A8A86CFA (Unity) DeformSkinnedMesh
2. 0x00007FF6A9A2CA31 (Unity) Unity::Cloth::Create
3. 0x00007FF6A9A2BF3A (Unity) Unity::Cloth::AwakeFromLoad
4. 0x00007FF6A7843676 (Unity) AwakeFromLoadQueue::InvokePersistentManagerAwake
5. 0x00007FF6A7844140 (Unity) AwakeFromLoadQueue::PersistentManagerAwakeFromLoad

Anybody else has experienced this?

EDIT:
We found out Cloth now crashes if the SkinnedMeshRenderer has NULL bones. Since we have equipement we put on players, we use the player's bones. Looks like now having NULL bones in a prefab is bad.

 

Thanks for the update. Any idea how to fix this problem on something that does't have bones -- a flag? I assume we have to add a bone -- something I guess I'll be Googling next?