The easiest thing to relate the creature itself to is a mixture of an armadillo and a bear. It's a large animal with essential physiology similar to that of a Spectacled Bear and large plates of interlocking armored shell along its back and partially down its limbs and head. Its skin is a light grey and covered in rough, almost translucent hair.
The environment is the intersection between a large dune-based desert and a type of Hamada desert consisting of broken stone and natural rises/outcroppings. There are natural water sources, both above and underground.
I'm wondering whether it makes sense for such a creature to exist wild in this kind of environment and what kind of behavior it could have as a result.
(Preferably science based but open to options)