I know two guys that have shot bears in self defense. Both sows that charged because they had cubs with them. Both guys shot the bear with their rifles because that was what was in their hand at the moment.
My vote goes to "honey I need to buy another pistol, in case a bear tries to get me".
If you can swing it, 44 Mag, 45 Colt, 454 Casull, 480 Ruger, 460 S&W, 500 S&W. Get a double action revolver.....reliable as can be, and all you gotta do is pull the trigger. FWIW, the 460 S&W will allow you to shoot the full power 460, the 454 casull or the dowloaded (or full power) 45 Long Colt. It's kinda big but 2" of the barrel is a compensator so it doesn't kick your arse before the bear does. The 460 round is darn near as big as a 45-70 round, and many many bear and buff were supposedly killed with the 45-70 way back before fences and roads.