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To me, yes, but all depends on the weather. Also depends on what a furry jacket is. To me, it’s a plush furry fleece jacket. North Face Osito, Patagonia R2/3/4 or any other plush jacket. My experience is I don’t use puffer jackets a lot. I use fleece jackets year round and I’m in Upstate NY. I’ve used North Face Ositos with a NF Chimborazo jacket or hoodie underneath. They are micro fleece outside Sherpa fur inside. That combo can go down to 0 easily and if need be I throw a down vest over it. Even if it’s rain or snow puffer jackets to me wet out to easily and I’m talking high end LL Bean and NF. My NF Osito can withstand a downpour for 5 minutes and if the rain stops it will dry but remain warm. If I really want plush warmth I step up to the R4 which unfortunately isn’t made anymore. It’s windproof plush fleece and takes a ton of water before saturation. Not with a puffer jacket!
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