I live in the mountains in Colorado and have had 2 bear incidents at my home in about 9 years, but no shots fired. I have heard of about equal numbers of mountain lion and bear attacks. One incident was a bear that dragged a boy scout out of his tent on a camping trip. The last one I heard about was in Evergreen where a bear broke into a woman's house and tried to attack her. I think she retreated and called 911. The Division of Wildlife showed up and found 3 bears. One of the bears tried to attack the DOW officer and he had to shoot it. One young boy, around 12yo if I remember correctly, was jumped from behind by a mountain lion. He was able to get a pocket knife out and give the mountain lion enough jabs to make it run away. While hiking I have encountered moose, elk, bear, deer, bobcat, coyote. At home I have 12 ga with slug as first round and 3-inch 00-buck after that. For hiking I usually carry 45 ACP/230gr JHP and IWB holster as that is about the largest that I can carry with immidiate access. If a problem happens I don't think I will have the time to dig in a backpack. I have considered getting one of the S&W 44 mag mountain guns in scandium for just this purpose. If I was carrying a 9mm, I would go with the 147 gr load as you have indicated. The HP is probably OK as a good trade between the threat types. I often carry 230FMJ in spare magazines. I would have the FMJ as the loaded type if I knew a bear attack was in my future, but I consider the two-legged predator to be the greatest threat.