Lykos and Dragons mostly. Some types of Mer live in arctic seas, too!

Lykos generally have their own fur. Dragons who live in the arctic don’t seem to have much trouble with cold so they can wear normal clothes even in the snow. The Mer don’t wear clothes.

A few kinds of Kassilik do well in the tundra, too! These are also ones who have thick plush fur, so clothing usually isn’t as important to them either.

For those without fur, like hybrids or some kinds of humanoid Lykos or Kassilik, or other races who decide they wanna live in a glacier, they have special clothes. The outside is tanned leather made from a specific monster that dwells only in arctic regions - its hide, when treated properly, resists water and ice. It’s coated with a water-element crystal powder oil for some added resistance. The middle insulating layer is made of heavy fur treated with a special fire-element crystal mixture. The final innermost layer is soft fabric. Coats and pants made in this way are supposed to be worn either over a layer of normal clothes, or over some longjohn-type insulator clothing. Coats have hoods lined with fur, gloves as part of the sleeves, and masks that can be pulled down from inside the hood to protect the face. The masks are made of ANOTHER monster’s hide, which allows light to pass through when it’s stretched thin enough while still blocking wind and cold - that way, people wearing them can still see. Those masks are fairly valuable and hard to make so most people go with goggles and a heavy scarf instead if they’re only visiting the arctic briefly. The pants taper down at the ends fitting closer to the leg/ankle so they can be easily stuffed inside socks to seal in the most amount of body heat.

For those with wings, you’ll have to special order some coats. Wings are easily damaged by ice; they have to be kept inside the coat, so some adjustments will need to be made.

For those with tails, the pants are big enough to tuck in your tail, but it might be wise to also tie it to your leg to keep it from moving around and causing discomfort. It’s not wise to let your tail stick out, since it IS a limb even if it happens to be a furred one. Unless you’re an arctic-type Kassilik or Lykos, tuck your tail! (lol)

certain subspecies do, yis

yes absolutely

They pop out looking more like human babies all naked and stuff with minimal amounts of fur on their wrinkly lil raisin bodies, and they’re deaf and blind the way kittens and puppies are. They’re also significantly smaller than human babies, and tend to be twins or triplets.