Why would you buy a handgun that wouldn't stop whatever type of critter is prevalent in your area? 2 legged, 4 legged, slithering, or paper.
I carry a Glock 20, Taurus 66 4" .357, Colt Officers ACP, Ruger Blackhawk 4 5/8" .357, in high ride belt holsters. The Glock is probably the worst to carry followed by a shoulder holstered Ruger SBH 7 1/2".
All of these will stop a bear, as well as most anything else on the North American continent, it just takes the right bullet/load and being able to put the round where it will do the job. (The exception to that statement might is the Colt, it is city carry/bedside only gun.)
This type of discussion really gets one to thinking about why one would buy any gun that won't do the job you bought it for.
Ray