Another thing to consider is that some of the furs were also trophies of sorts, someone going into a scrap with a bear cloak is not just wearing a fur cloak, he's pretty much stating that look at this, I killed this beast, think about what I can do to you...
Fur and leather were also relatively light and still provided some protection, making it useful for the more wet environments such as sailors or raiders, and if you don't have the higher coverage of armor, well, having furs over them both makes you look bigger, and lets you look more armored than you are.