>>5430502We can handle the shell because of our blubber and swim bladder providing buoyancy, the water resistance caused by fur will not be effected by our buoyancy so that's not comparable.
Polar bear fur keeps the bear dry Anon, it has a layer of oxygen within it to keep the bear warm when it descends into water from the land. That is to say the bear lives on land surrounded by an oxygen atmosphere and when it needs to go into water it takes the air with it... WE have never been dry in our entire genetic legacy, how could we make fur water resistant if we are never dry in the first place? Where would we get the oxygen?
Even if we were to solve those problems if we put the fur on the bottom we would roll over from the unbalanced buoyancy!
Fish and fur do not mix, perhaps it will be a better idea when we move on to land.