Chest tuft y/n? That is, a tuft of fur, matching the character's coat pattern or otherwise, sprouting from between their collarbones. If you look closely at many humans you may find they have hair, or at least follicles, bunched up in that area (many folks will probably not show it as their hair is too fine and/or color-matched to their skin to be readily visible).

Pubic tuft y/n? I would definitely vote y, partly to emphasize we're looking at physically mature characters, if their pose and viewing angle would make such visible. But I'm open to arguments.