Supposedly, there IS something to it! I found a Wooly Bear that was 100% BLACK a few years back. Turns out those are the larvae of the Leopard Moth; never knew that.
Supposedly Wooly Bears can stay in their larvae form for up to 20 years before they become the Isabella Tiger Moth, (Pyrrharctia isabella) but I don’t know what triggers the transformation.
Interesting critters.
Thanks for this. I’ll have to check next time I see one.