First there is Fuzz
Fuzz is the exceptionally short hairs that offer little if any insulation value and are mostly for coloration purpose, a human running their hand across it could feel anything from coarse bristling to a soft sweep. The length of the fuzz may make it to the top of their fingers but is usually shorter.

Second there is Fluff
Fluff is okay for keeping warm, though clothing may be desired for cold and/or wet weather. It is always soft to the touch, even when wet. A human can run their fingers through fluff and the digits will partially or mostly disappear.

Then there is Floof
Floof is an excellent insulator, see any video of huskies refusing to come inside during the winter. It usually offers some degree of water resistance mostly through the oils that get trapped in it, as such a critter living in a modern environment may be encouraged to take soapy baths, as natural oils aren't the only things floof captures. Well groomed floof is particularly soft and wonderful to snuggle, so if you're a monster that doesn't love hugs you may want to trim yours down a bit. The shortest level that counts as floof can fully envelop a humans hand when pushed through it. The longer the better.

Finally there is the legendary Superfloof
The shortest level of superfloof is where the critter beneath begins to lose their shape, joints become difficult to locate and the tail might as well not have any bones in it because you'll never find the limb trust me. The bestest superfloof is the kind that can conceal multiple critters within its warm embrace, no action needed on the wearer though feel free to snuggle yourself to your hearts content.