I live 40 miles from town in SERIOUS brown bear country. We literally have them in our yard from time to time, and it's unremarkable to run into them in the field. And yeah, I've had my fair share of charges too.
Truth time?
If the bears are bad in one area I go to another. My all time favorite snowshoe hare grounds is a bonified hotspot for bears. So I don't hunt it until January when most of the bears are snoring.
When carrying small bores for hares, I carry a handgun as well earlier in the fall, but pretty much leave it at home come December. If I see bear tracks, I bail. If I see a bear, I'm polite and I bail, too.
But there's always the sudden, unexpected encounter. And in my experience it has resolved itself one way or the other before you can drag a handgun from its holster.
My most startling encounter was on a ptarmigan hunt in the tundra high above tree line. You could see miles in any direction. I was carrying a 28 gauge double and topped a little rise, no more than a fold in the tundra. And less than 10 feet away was the hind end of one of the largest bears I've ever seen. He was grazing and never heard me. I felt the shotgun shrink to a toothpick in my hands, and that isn't all that was shrinking.
I was exceptionally polite and backed off before he ever knew I was there. If he'd been pointed my way and took exception, I'd have been lucky to raise the muzzle in time, much less get off a hip shot. My handgun might as well have been in New York.