I believe the AF algorithm will pick the area with the greatest contrast, too. IE, the wet dark rock/snow interface. They might have placed some weight on the nearest subject, though. I'll have to test this.
Previous tests of mine seem to suggest that the AF pixels are similar in resolution to the image sensor in my 5D3. IE, saturated black lines that were one sensor pixel in width could be focused by the AF module.
With fur having regular, repeating patterns, the AF can be confused, and be off. The AF matches light/dark patterns from two opposing sides of the lens. Think of holding two hair combs together, and shifting one of them left/right, so you can see thru the open areas of the teeth. Many positions will align.
Yes, it is not just contrast, but also orientation of the shapes, and repetition (like rows of windows on buildings or patterns in a fence) can fool AF.

MFA adjusts the right side of this diagram, not the left, but has an impact on the left.


