Free: Contests & Raffles.
Notice it says firearm, 24 cal. or larger. If you decide to leave the rifle home and carry the handgun it still has to be under 24 cal.
The reason there are so many Ruger upgrades is because they're necessary.
I would definitely carry my rifle if I was in an area where seeing a bear was likely. Not sure about coyotes, I wouldn't want to be shooting at them while hunting deer. Also there's always a small chance of seeing a cougar. If you have bear and cougar tags there's no reason you should go in the woods without a rifle.
Carry some targets with you and a roll of masking tape.