The modest yet bestial elegance found in #3 is why I understand why having fur would be nice. You have the fur naturally cover you, while warming you, and, in the case of a bushy tail, giving you your own natural blanket that can also he used to warm your backside, making sitting on cold places much more tolerable.
Rather than have to deal with tedious clothes while in heat, you simply part the fur and Garchu away.
There's a sublime freedom in your own clothes being a part of your body. Also, from what I've seen from cats, sunbathing with fur is really comfortable.
If mankind can regrow hair, why can humans not be made to grow fur? Just imagine a big sexy tail waving in front of you while you walk through the woods.