I read this somewhere in the 1990s as a standard-sized paperback, probably about 200ish pages. The protagonist is a man on Earth who I remember was acting as a Batman-style vigilante, I think maybe funded by being a trust fund baby. I do remember that he was nursing significant bruises at the beginning of the book, possibly with the implication that his romantic notions of crime-fighting were out of touch with the real world.
He gets sent to a fantasy world, maybe summoned by a set of priests who are devotees of the Woodchuck, except the name has been put through the Punctuation Shaker with a bunch of vowels replaced by apostrophes. I think he's given the cloak, which can become rigid, which comes into play in the course of the novel, once as protection where he kind of turtles under it and once where he turns it into a boat. Unfortunately, I don't really remember what happens in the plot after that.
The title had the Woodchuck in it, and I want to say that "seven" came up in it. And... I just managed to find it, so I'll post it as a self-answer.