Yep Lloyd, you're somewhat right about the chances of being attacked by a bear, but keep in mind that bear attacks do happen.
I kind of believe that bears are individual, just like people. Some will bother you, some won't. And just like people, it may depend on their mood at the time.
Now, I'll tell you that I'm a lot more at home in the hills than I am in town, but any place I go there are certain dangers. When I go to town, I carry a concealed Smith 637. I've never needed to use it, but it does give me a certain peace of mind when there's G-factor (bangers) hanging out in the parking lot near my truck as I come out of a store. By the same token, when I go into the hills I carry a handgun. I've never NEEDED to use it to defend myself, but again it gives me a certain peace of mind when I'm in bear/lion country.
Here in the Mexican border country of Arizona there isn't much chance of a mesquite falling on me, but there are plenty of UDA's (undocumented aliens from Mexico), drug runners, mt lions, bears, and so forth, not to mention the 2 legged snakes from our own country. If you choose to leave the gun at home, that's your choice and so be it. Anyone who isn't comfortable carrying shouldn't do it. For myself, I'm nearly always wearing a gun of one kind or another.
~Rat