The hair on our bodies is the last vestige of the fur that our primate ancestors had. This can be seen, among other things, in the fact that we still have an involuntary reflex that makes the few hairs we have stand on end when we get cold: we get goosebumps.
The effect is insignificant today, but if it were a thick coat, the lifting of the hairs would have the effect that the air layer around the hairs would increase and the insulation would be greater.
In all likelihood, we have gradually lost our fur, but why this development has occurred no one knows. Some scientists believe that relatively naked human skin made it easier for us to communicate with each other and maintain complex social relationships.
Others believe that we lost our fur because our higher metabolism made it harder for us to cool our bodies than to keep them warm.
The appearance of body hair growth is largely controlled by cultural differences, lifestyles and fashion trends. These factors depend for the most part on traditions and it is rare to find any practical explanation for them.