Oh lord, where to begin?
1. The a 22 doesn't "bounce around" inside a skull/chest cavity. Some movie once said that and everyone took it as gospel.
2. You plan to hit a moving target, bobbing and swaying, with adrenaline coursing through your veins, with a pistol you can't get 4 fingers on, let alone 10, with home-made sights, and a homemade load? Doubtful.
3. If you managed to hit the cougar in the skull it isn't going to penetrate. Look at the ft/lbs here (or lack thereof).
4. You aren't "incredible" with firearms, if you were we would have heard of you. Shooting 22 brass at 3 yards is less than impressive.
"i can shoot well with short barrels because it is a matter of keeping the muzzle still until you pull the trigger"
Well yes, as it is with every firearm ever made. You do realize that while a short bbl may be quicker to sight in with, it is inherently less accurate as your sight picture is less precise than a longer bbl right? A short barrel moves just as much as a longer barrel when taking aim, it's just not as noticeable.
5. Why are you concerned about carrying a pistol that could be seen by police? I hope it isn't because you can't legally carry one where you are, and are hoping to keep it hidden.
6. Your thoughts about protecting your wife are a bit silly. If you truly wanted to protect her you would either not take her hiking in potentially dangerous areas, or carry a larger handgun with more potential stopping power.
Sorry to come off so harshly but there are many issues with some of the things you've mentioned. The NAA mini's are really awesome pieces of work, they are very cool mechanically. Plinking with them is a good time, but I wouldn't rely on one for self defense against anything except a human, which might be able to recognize the fact I have a weapon and choose to call of the attack. I'm not sure what BHP is talking about with regards to not seeing animals when carrying. They can't recognize a small metallic object in your hand as representing danger. The concept of them leaving you alone when CCing is even more ridiculous. I doubt many cougars recognize "printing" when you carry concealed, and choose to leave you alone.
Stay safe, and enjoy your new toy!