The correct option is D Animals in hot deserts have evolved to reduce water elimination and to maintain their body temperature, but animals in cold deserts have developed greater insulation through warmer fur and layers of fat beneath the skin.
To form adversative compound sentences an adversative conjunction must be used, like "but". Therefore Option C is correct. Using "while" makes a sentence a complex one. So, Option B is wrong. The rest of the options do not adhere to the goal, hence incorrect.