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their fur is a great insulator and keeps the heat from them - taking that away makes them more vulnerable to heat issues.

Is this something that has been researched and proven? Because I have heard this claim numerous times and can't for the life of me figure out how it would be the case for a warm-blooded animal (i.e., constantly producing heat and must constantly lose it even to remain at steady-state). I would expect a thick coat to decrease the rate at which the animal can lose the heat it produces, allowing that heat to build up in the body. Also it's clearly not the case for me (in summer if I wear thick clothes I feel way hotter than if I feel very thin clothes that only shade but don't insulate).

But then again maybe I'm just not thinking of as high temperatures as are being discussed... presumably the heat transfer works differently when the air is actually hotter than the normal body temperature (i.e., if the temp is in the 40s or higher - not something I've often seen in real life where I live, but certainly happens in some places...).