Clouds are not a form of protection. They dim the sunlight we receive but do not filter UV radiation. They can and do reduce light and infra red radiation reaching the surface of the earth
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Well to rain on us of course clouds are even made of rain in a gas form
Thick clouds act as a blanket by trapping heat coming from the Earth's surface, thus preventing it from escaping into space. This warms the air underneath the clouds and helps to maintain a more stable temperature throughout the night.
Clouds hide the moon by blocking its light from reaching our eyes. When clouds pass in front of the moon, they act like a barrier, making it difficult for us to see the moon clearly or sometimes even at all.
Cumulus clouds are masses of puffy
Nimbus clouds, specifically nimbostratus and cumulonimbus clouds, are the types of clouds that typically produce rain. These clouds are characterized by their thick, dark appearance and their ability to hold significant amounts of moisture which eventually falls as precipitation.