The principal and most obvious purpose of the hairy covering is to protect the skin. Its function in the hairless Cetacea is discharged by the specially modified and thickened layer of fatty tissue beneath the skin known as "blubber."

_Scales, &c._--True scales, or flat imbricated plates of horny material, covering the greater part of the body, are found in one family only of mammals, the pangolins or _Manidae_; but these are also associated with hairs growing from the intervals between the scales or on the parts of the skin not covered by them. Similarly imbricated epidermic productions form the covering of the under-surface of the tail of the African flying rodents of the family _Anomaluridae_; and flat scutes, with the edges in apposition, and not overlaid, clothe both surfaces of the tail of the beaver, rats and certain other members of the rodent order, and also of some insectivora and marsupials. Armadillos alone possess an external bony skeleton, composed of plates of bony tissue, developed in the skin and covered with scutes of horny epidermis. Other epidermic appendages are the horns of ruminants and rhinoceroses--the former being elongated, tapering, hollow caps of hardened epidermis of fibrous structure, fitting on and growing from conical projections of the frontal bones and always arranged in pairs, while the latter are of similar structure, but without any internal bony support, and situated in the middle line. Callosities, or bare patches covered with hardened and thickened epidermis, are found on the buttocks of many apes, the breast of camels, the inner side of the limbs of _Equidae_, the grasping under-surface of the tail of prehensile-tailed monkeys, opossums, &c. The greater part of the skin of the one-horned Asiatic rhinoceros is immensely thickened and stiffened by an increase of the tissue of both the skin and epidermis, constituting the well-known jointed "armour-plated" hide of those animals.

Encyclopaedia Britannica, 11th Edition, Volume 17, Slice 5 — Part 44

_Nails, Claws and Hoofs._--With few exceptions, the terminal extremities of the digits of both limbs of mammals are more or less protected or armed by epidermic plates or sheaths, constituting the various forms of nails, claws or hoofs. These are absent in the Cetacea alone. A perforated spur, with a special secreting gland in connexion with it, is found attached to each hind-leg of the males of the existing species of Monotremata.

Encyclopaedia Britannica, 11th Edition, Volume 17, Slice 5 — Part 44