I don't mean to split hairs, but I have been trying to figure out this analogy. Wouldn't it make more sense if it was the humans making fun of the monkey, for wearing the coat? I'm sorry, maybe I've missed something
I used to be the guy who made fun of drysuit divers for being wimps while I was still diving wet in cold temperatures...
That's like monkeys making fun of humans for not wearing fur coats in the summer.
1. Monkeys wear fur coats in the summer, which is a stupid thing to do.
1b. [some] Divers wear wetsuits in cold water, another purportedly stupid thing to do.
2. Humans not wearing fur coat in the summer. Comfortable and smart.
2b. [other] Divers wearing drysuits in cold water. Comfortable and smart.
.. and the perception shift, the crux of the joke..
3. The monkeys, judging the humans from their perception, think it's stupid to not wear a fur coat in the summer. Stupid monkeys.
3b. The wetsuit divers, judging the drysuit divers from their perception, think it's stupid to dive dry in cold water. Stupid [wetsuit] divers.
In reality, it comes back to 2 & 2a.
The monkeys mock from a position of inherent stupidity on their own part. To change the analogy as you suggested would be to imply that the humans are mocking the monkey from a smarter position, which is not the case when you have a wetsuit diver mocking drysuit diving.
Hope I've thoroughly sucked out and systematically destroyed any remnant of humor remaining in this analogy.
Me, I've dove wet in 45° in a 7mil, and I hope to do it again. Puts hair on your.. chest. Far be it for me to make fun of a drysuit diver, though!