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Are Creatures with fur more resistant to cold? Any type of bonuses covered anywhere in the rules I'm missing?

For instance: A fennec fox, dwells in the desert which typically have pretty decent extremes in temp. So should it get bonuses for environmental conditions? If so what kind?

Next an arctic fox, would it have a +5 as a cold weather outfit or effectively have endure elements?

The reason this has come up is I have a character in my Reign of winter campaign who is a Kitsune Rogue, at 5th level he'll be taking Fox shape and wants to do an arctic fox, would that preclude him from having to worry about cold weather outfits or endure elements?

Also there are familiars and animal companions in my party that aren't really adapted to cold and while they do get share spells at the moment, those players are playing classes the will eventually have cold resistance and most likely stop casting endure elements; if they do do I have their animals start freezing to death?

In my games I've always interpreted that the armor bonus from Bracers of Armor count vs. incorporeal, but in a campaign where we've been alternating DM's we can't come to a consensus on whether this is the case or not.
The Item Description says; "They surround the wearer with an invisible but tangible field of FORCE,...". Also mage armor is a requirement for their creation.
Force effects, as well as mage armor protect against such. Besides such rules, I've always seen it as one of the up sides TO B.o.A. that they worked that way.

Now because of the part of the text that says; "Alternatively, bracers of armor can be enchanted with armor special abilities.", one of the other DM's is saying that letting them have the equivalent of ghost touch is too powerful.
Any thoughts? Or better yet official rules that I may have missed?