I have had to educate a couple black bears over the last 10 years that were rading our bird feeders with 12ga rubber buck shot . Worked very well but beyound that I would never carry even 12ga rubber buck shoot in the wild or use on a bad guy .

You could guess even if a very close shoot from a 410 with rubebr buck shot might stop or slow a BG he still might kill you before going down and life to return loaded for you .

IF I have to draw on a BG I am shooting to stop a threat not play'n around with rubber buck shot . Now worry about a bear charge then you better have some stout 45 colt loads those chambers with a stout load of powder and a 250gr swc . Its not warning time !

IF NO grizzlies near your area then I would carry my 13 or 15 round 40sw and my typical reload . If big bear are around pack a 12ga with buck and slugs