At the moment, all the bears are asleep, and I'm more wary of meeting a Momma Moose... I've crossed fresh tracks several times out skiing, and decided I'd not go when visibility is bad. I was out one night, with dense fog, and all I could see was the beam of light my flashlight projected. I could see about 20 feet, beyond that was nothing. I'm pretty sure the Moose and calf that left tracks on my trail that day were long gone, but I'm not gonna take that chance.
As far as bears here, I'll relay the advice I've heard, and pray I never have an up close and personal encounter with bears. Learn avoidance behavior. Most of ya'll know that. If you are attacked by a brown/grizz, do not fight back. Fall down dead, protect your head and vitals, and wait for him to finish. Then wait longer, since he will likely trot off a ways to see if yer still dead. After you really feel dead, cautiosly look around, and then take the most expediant route to medical attention...
For black bears, fight back. Pocket knife, flashlight, stick, gouge out their eyes, bang 'em on the snout. They'll get annoyed (or actually hurt) and decide it's not worth it.
As far as guns and grizzes, heres a story I read, 'bout hunting Grizz in alaska. A guy was hunting (With the mandatory guide) grizzlies with a blackpowder long gun (54, iirc). He found a bear at somewhere near a hundred yards, got a great side-shot, took his time, and put a minie ball into the vital zone. Da bear got mad. He looked up, huffed a bit, and started charging. Meanwhile, this guy is reloading his rifle, a much easier task without a bear charging at you. Bear gets down to 50 yards, then 25, and the guy drops the rifle, and pulls out his pistol (Another blackpowder, this guy is crazy...) And just as he gets the pistol clear, and pointed at the bear, it hits the ground, about 10 - 15 yards off. He turns and looks at the guide, who had a normal highpower rifle, and the guide is as close to shaking in his boots as he can be and still look professional, rifle up, pointed at bear, almost white knuckles. The bear had taken a beautiful shot. If it had been competition, it woulda been a bull. No ribs hit, only vitals. It still ran nearly 100 yards at a dead sprint, before the guy could reload. I wish we could give them guns and put 'em in uniform. I think the marines would even respect them...
Stryver, anyone with only two single-shots, and pointing them at grizzlies, is crazy.