I take a handgun along now on my daily 2-3 mile morning jaunt along our farm road...not for bears, but for a pair of overly aggressive Dobermans a 1/2 mile down the road. I've been 'nibbled' 3x now, not bitten by the pair, but had my hand aggressively 'mouthed'. Owner is sincerely apologetic, loves his dogs, but has no clue as to training. Animal control has been notified as have local county LEO's.
Kids on bikes, young moms pushing prams...old couples doing their daily constitutional...all vulnerable...I'm prepared but the others are not. For me it's a S&W M60 with +P .38's, and long familiarity with the combination's use. Hope to all get out, the owner accepts my advice, and that of the LEO's that have responded.
For fishing in bear country...read the Smokies along the NC/TN border...I carry a S&W M69 stoked with Hornady XTP's or Keith's load. (The gun takes magnums and weighs 38 oz. empty so it's easy on the belt or chest). I've not had to use it along the remote trout streams that I fish, down there, but the gun & bear spray, give me some options in the event of a problem. That area, north of Fontana Lake, is well patrolled by park rangers so there's little chance of a standoff with druggies guarding their patch, but still....
Lastly, back in my 40-50's, I hunted Colorado's high country for elk, and once had to pack out my tag filler near dusk. Dreading the weight/altitude hike, I elected to leave my 35 Whelen Rem M700 in the jeep after the first load. On the way back to the kill site I found fresh bear tracks in the snow along my trail....with no gun, no spray & 100 lbs of meat on my back...what could possibly go wrong...I never saw that bear, but had the cold shakes all the way. (Left the kill lashed up in a couple spruce trees and retrieved it the next am.) That was the LAST time I went without a heavy handgun while hunting there. A chest or tanker type rig would have worked well, I think, with the pack board I was using...
YMMv Rod