I have no idea how many times I've gone fishing or woods walking, working out in the back fields or just wondering arround with a Ruger Bearcat on my belt or in one of my pockets, and I've never felt underguned with one.
I guess I'm one of the lucky ones, I've never had a problem shooting a Bearcat despite it's small size, and a 22 LR is plenty for small game, and the Bearcat is plenty acceriat for anything at a range that would put me in harm's way. Now granted, a 22 ain't gonna stop a charging black bear or couger, but it will get the attention of about any dog I might run into, probibly not killing it DRT, but seriously discourging any further advances.
It's just a good, solid little 22, and that ain't all a bad thing to have with you.
Greenriver