Più Freddo
From space, earth is blue
I'll settle in place or on furs
Settling on Furs/Grassland makes little sense. The extra shield disappears, and the extra commerce too, in the capital. You also lose a valuable (Archipelago/80%/south pole) food-rich tile. The Furs Forest must be chopped, mined and roaded for at premium 2-2-2 tile and 10 early, extra shields from the chop to boot.
If the Furs would have been on Plains, it would have been another matter. Then you would have two shields per turn in the capital if it was founded on top of the Furs.
Do I need to download a patch if I have Civ3 Complete?
No. Complete is complete.