Far be it for me to kink shame or tell anyone they're doing it wrong, but this just sprang into my head while I was reading your comment.
Why dress up as something you find hot and then fuck someone dressed up the way they find sexy?
Just cut to the chase and dress up and masturbate as something you are turned on by. That way you're having sex with your own fantasy and not someone else's.
if by furry you mean the subculture, then I think the best term for the opposite would be skinny.
I think I've already came across this in some kind of furry comic or fiction... (where skinny is a subculture for furry characters, based around humans.)