The umbrella is losing the argument. Beneath its green canopy, a cartoon cat and dog in yellow boots stand close as rain reaches their fur. Their real counterparts possess a response far more effective than a patient drip: a rapid shake that sends water flying before it can carry away much body heat.
The trick is not brute force alone. When an animal twists its body back and forth, loose skin swings farther than the torso beneath it, accelerating the wet fur. Water droplets resist that sudden change of direction because of inertia; once the acceleration is strong enough to overcome surface tension and other forces holding them to hairs, they break free. The motion is brief. A shake can remove much of the water from a coat without the animal having to evaporate it all, a process that would draw heat from the body.
Size changes the bargain. A smaller animal has a shorter distance over which its fur can move, so it must oscillate faster to generate enough acceleration to dislodge droplets. Larger animals can achieve comparable acceleration with slower swings because their fur travels through a wider arc. Coat structure and skin looseness matter too, so size alone cannot predict every animal's shaking rate. Speed has its limits. Under the little umbrella, the difference between cat and dog is not a matter of enthusiasm but of distance, force and the stubborn grip of water.