nParticles can clump together very well with liquid simulation and viscosity. Play with rest density and liquid radius scale attributes to get a sim that has enough particles for the shape you need but not too many. The particles could scale over life and ease into a final size very easily with the radius ramp. Mesh those particles and take the rest of the day off.
As for the character interacting with part of it, you could make a collider that is very sticky to get the particles to stick, there are constraints and stuff as well that could help. I personally would try to set it up as two sims, one for the main shape and a concentrated area for the interaction. That will make all the sims faster and easier to manage.
Just some basic info here. Let us know if your need some more info.
~Ben