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T he toe hair serves no purpose in our species and is a vestigial trait.
Human hair does not function well for warmth, rather it is used (as our genetic cousins still use it) for cooling. The hair on your head keeps the sun off of your head as the brain can easily over heat, and allows the heat to dissipate into the air between the hair.
You ll notice people from hotter climates tend to have thicker denser hair than ones from colder climes, not the other way around. The hair also wicks sweat away and cools that way as well, which, (to come back to your question) is most likely what the toe hair was originally used for.