i shots 20000 rays per sample, and makes samples based on position and direction. So a surface that has many crevices gets more sample points and the FUR really has a lot of of theese. So what you end up with is a heavy operation made even heavier.
Secondly every object makes the ray tracing slower/ acceleration bigger because theres more to intersect with rays And fur has quite surprising lits of objects/points to work on.
Dont be supprissed that if a slow operation is made even slower by pushing it a lot of data that it over floods your capacity
After all theres no trick in computing too much in fact ist easy, the rick is to compute just enough for the effect needed.
PS: 20000 are you sure its not 2000 becasue 20000 is way too much for ANYTHING even remotely sane.