Thick fur can be used for keeping warm.
With a thick fur coat and 4 inches of fat a bear stays warm.
Bears have thick fur to protect from the cold.
What does thick fur help a bear with?

[a] Helps blend in
[b] nutrients
[c] Helps them run fast
[d] Protect from heat
[e] Protect from cold
[f] heat energy
[g] adding heat
[h] hard outer covering