OP,
Bear this in mind that you actually have to be able to shoot quickly and accurately during a stressful encounter.
It will not make any difference if your projectile is going 1000 fps or 1200 fps, if you are missing your shots, or your recovery time is slow, due to too much recoil.
Having participated in many bear drill exercises, I have observed time and time again, where guys show up with maximum loads in .44 Mag, .45 Colt, 454, .500 Smith, etc.
It is exceeding rare that they can get 3 rounds off into the vital zone/head shot, in the different targets (simulating a bear coming towards you) They normally get one, and the next might get on paper, and the third is rarely even shot before the buzzer signals stop. The last target is a small tile that you have to hit and most don't when using top end loads.
For revolvers, guys using mid levels load in .44 Magnum, .45 Colt tend to do substantially better. A .300 grain .44 is fine, but not at "Ruger Only" level. Same with .45 Colt.
You can still get all the penetration you need, but will be able to perform better.
As an example, A few years back I shot a 5x5 bull elk with a 5" Model 29 .44 Magnum. I was using a 300 grain hardcast bullet with a velocity of around 1100 FPS.
I got complete penetration on a broadside shot and never recovered the bullet. The elk did the usual stagger steps, walking a few feet, before kind of turning in a circle, then he tipped over dead. The range was a bit over 100 yards.
The point of the mention of the elk is that you don't need the hottest loads. In fact they can be counter productive. Find a balance.
