I may have to try both then it seems! Thanks.
I've done both at various times. I greatly prefer the towel method. It's faster, easier to get the layers, and easier to get it aligned and setup right.
I think the fur is more visually appealing, but the towel looks much more realistic.
As with all our things, it comes down to what you like better for your own look. (and sometimes, just whatever you happen to have on hand.)