I'd have to go with Win. SP. They've proven to be great hunting rounds for me, and based on how they perform on deer they'd serve well for defense as well. Remington's lead is a bit too hard for my tastes; Winchester seems just about right.

I've grown very fond of Hornady's Leverevolution .44 as well. I have no doubt they'd drop a big black bear. They would be fairly pricey to stockpile though.

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Fast is fine;accurate is final