There appears to have been a behavior change with PhysBones in a recent update; now, bones which have a zero radius still collide if they are inside of a fixed PB collider component. This behavior can be observed with this avatar: https://vrchat.com/home/avatar/avtr_a991cdfc-edb9-4254-9e96-07e633787bd6
As a repro, sit down in 6-point FBT and move your head up and down. Your tail will spaz out. Adjusting the Spine collider to not be initially in collision with the tail fixes this. This was not how VRChat behaved prior to the latest live update (1446).