>>76102389western furry characters have ambiguous fur that could plausibly be skin, which allows them to avoid issues like matting, stains, wet fur, etc. they usually have a few cosmetic tufts here and there in areas where it doesnt matter like the arms and collar. this is a holdover from earlier funny animal characters and you see it constantly if you pay attention, it's necessary to make stuff like boobs and belly to work "as expected" for a human. abstract cartoon physics and slapstick and the contrast when performing normal human behaviors are deeply ingrained.
japanese furry characters tend to be the only ones that strongly simulate having fur all over their body, since they limit themselves much more to vaginal sex and slice of life themes. if they're more sexualized, that's why it's more common to have the animal features just limited to the head and limbs with an inexplicable human nugget torso.