system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: How can animals like bears get wet and not freeze to death in the winter but if a human wearing fur clothes gets wet, they freeze easily?

Not sure I phrased that as good as I could have.
gpt
* Hairs retain dramatically less water than an insulated jacket

* Said hairs often are covered with oils that further repel water

So, while a bear may get wet, the fur's not going to get completely water-logged like a coat would.