Subject: how do lipids function as an isulator in human bodys?

i get how blubber and all that works as insulator and feathers and all that in 
animals. i was under the impression that lipids aka fat was the human 
insulator but i think im looking at it in to general of an idea. some things 
just dont make sense like do fatter people have the ablitily to get stay 
warmer  in cold environment and warmer in cold environments? is lipids the 
only thing that plays a part in the insulation of humans or does something 
else to? because animals like otter only have their hair and they dont need to 
wear a jackets to keep warm? why are humans the only speices that cant keep 
insulated by themself and have to wear clothing ands such to enhance there 
insulation? and how do these cloths function with the human body to keep us 
warmer or cooler? how is it that are body is keep warmer with wool verses silk 
does it have anything to do with the interaction between our body and the 
material? i know this is alot of questions but the more i research the topic i 
just get more answers nothing ever gets answered and insulation really 
interests me. i like question how things work its kinda of a hobby of mine. so 
if you could answer this it would help satisfy my curiousity. THANK SAM 

Re: how do lipids function as an isulator in human bodys?