Warm, fur? chaps?

I got "rain chaps" (there's another thread with that). They cover just my thighs. They actually worked better than I expected. No wet thighs when it rains. I use an umbrella.

Found the thread. https://www.bikeforums.net/commuting/1102938-how-keep-knees-dry-when-riding-rain.html

And the...