How to make Character have a maximum fall speed for skydiving games?

I have wanted to make a realistic skydiving game for a long time on ROBLOX, and for that, I need the player’s body not to accelerate so much. In the roblox, do not argue, the gravity of the Earth, in the roblox it is and exactly equivalent to 35.3052, since instead of accelerating in m / s, in the roblox it is counted in km. This means that at 35 gravity, a falling object accelerates 35km per hour every second, which is exactly what happens in Earth's gravity. But a parachutist who stabilizes in the air, with his arms and legs spread, does not accelerate more than 200 km per hour, because of the resistance of the air. I have other things that will complete my game a lot, but I will not talk about them here so as not to get too big. But included in them is an illusion of aerodynamics, a very cool effect, it works perfectly, it looks like real aerodynamics. And I was going to use this effect, to be placed on the player's body parts, to simulate aerodynamics in it, and thus prevent it from accelerating more than 200km per hour in addition to having a very real and cool aerodynamic effect, but, it doesn't work with Unions or Meshs. And the player's body parts are made of Unions and Meshs. that is, when I add this effect to the Character's body parts, it even moves slightly while here, but it doesn't stop accelerating, I've done the math, and in a 1km drop my character accelerated more than 600 km per hour! So, to fix this, I think of a single alternative, since I do not know more than the basics in Roblox Lua, and my alternative is to replace the player's body members with parts, so he could accelerate even in the maximum 200 km per hour, etc. But I don't know how to put the player in a body made of parts, in fact I don't even know how to change his body myself, without breaking something. I've seen games like "Pilot Training Flight Simulator" where when you get off the plane, you accelerate to a certain speed, and from there you get to a constant speed, as it is in real life, and looking at the game you can see that the the avatar's body is still made of mesh and Unions as it is naturally in ROBLOX. Besides you can also control your player in the air, and be able to change his trajectory as well. So, can anyone help me with this?