Our first kees had a bare belly, not typical of the breed, but he had thyroid issues. It helped to keep him cooler. He would lie on top of the cold tile floor or on top of the air conditioning vent and be quite happy. The last 3 kees however are and Yogi was super wooly all over including their bellies. We have air conditioning so they do sleep on top of the vents, but the vet did suggest to us when we had Baxter and Bentley in last week for their heartworm tests, that shaving their bellies for the summer would help them to keep cooler. We opted not to do that, but it might be something for you to consider as well.