No, I don't own a fur coat. Did once though---a ratty muskrat (??) affair, with no lining and one sleeve ripped up and hanging by a thread.
Didn't get the point of it until one night in Minneapolis in the 1970s. Temperature in the 50-60 below zero zone. Esther D. and I were at a bus stop and I had never been so cold in my life. And suddenly one got it: without the fur--and only the fur--one would be a goner.