well the best way is to to Unwrapping...and the use the texture that you treated in photoshop...u can paint it...or can use photographs... and about using fur as hair..
i encountered this problem so i thought tht i will post it here that i tried to apply the fur on a SUB D model. and it does'nt work and it gives an error...select either poly or nurbz surface....does'nt fur work on sub d-z????