Haha, this question is more evil than it seems.
In general, there is an updraft, that keeps the cloud particles going up, so that they either cancel out the terminal velocity, or they fall very very slowly, like in the scale of 20 m an hour.
This book says :
Cloud vertical velocities are important because the updrafts control
the time scale $T_P$ and determine the cloud’s ability to suspend
But, what happens though, when the water droplet starts falling? Before the water started falling, there was a moment where the vertical velocity was zero, of both the water (may be it was in vapor form) and the air parcel carrying it. Now, if you let the water fall, then it has a downward momentum. Does the air get an upward momentum?
This question remains poorly understood, as whether the momentum conservation should apply or not remains debated - given that there is a phase change - and the released thermal energy could be converted to kinetic energy and perhaps to a force. The momentum equations in the moments of phase change is a lesser known unsettled boundary of physics. In fact the same book does speak about it.
Now, when the droplet has just formed, it is still very very small, like a few microns. That is the so call "Aitken regime" of particle size. In this size, Brownian motion becomes more dominant than gravity. As such, momentum is not going to remain conserved any more. But the spaghetti is going to be more twisted.
Brownian motion in this regime will also kick of few atoms in the falling (or even rising) droplet. This is an effect akin to evaporation. This book gives a good overview.
The particles will vaporize fully, and if you manage to vaporize a particle in a parcel of air, then the parcel will transfer the heat (enthalpie) of its air into the water content. This will end up decreasing the density of the parcel, and it will then start moving up, until it reaches a height where it will cool again due to lapse rate and the process will begin again. That means, there is sort of a convection inside the cloud itself. Here is an overview inside a hurricane. Here is another.
Such a system might explain stability of clouds in a downdraft. But as I said, this spaghetti has not yet conclusively been combed out.