Free: Contests & Raffles.
Use "Hard cast" 180-200 grain bullets only in the 357mag if used for bear defense.
Boy, this is one of those topics that never reaches a conclusion.
You are 99.9% more likely to need either of your two options for two legged creatures then the four legged ones. I carry a glock 20 10mm but its really not the bears I am worried about. First would be people and second would be cougars.