Sounds like the guys above have the scope covered with very good advice. As to the reloading, if at all possible, find a reloader who can show you the ropes. If not, read the Lee book, and if possible, any other one too, as they books do a good job of explaining the process, which by the way is very simple in itself, just requires your full attention and caution. Here is my reason for saying this. With your .45-70, depending on which load level you prefer when you start loading (and lets be honest guys, we ALL experiment a little at times) you will have somewhere between 15K and 40K pounds of pressure inches from your face, so this requires caution. I personally have loads that I wouldn't hesitate to take against cape buffalo or elephant, but shoot the mid to low level loads much more frequently as they are all I need for my local deer and hog. I also have some very light loads that you can actually see the bullet in flight if the lighting is right. But anyway, the H&R (mine is the Buffalo Classic) is a great rifle, and shoots great, and I dont think you could have gotten a more versatile caliber, especially since you mentioned bears. Dont let the comments above scare you away from loading, and eventually, I would recommend casting your own bullets too, but for now, read, study, ask, and slowly work your way into it. If you go too fast, you are asking for an accident that will injure or kill you or a bystander, but if you start slow, and stay careful, this is a perfectly safe hobby and a useful skill. Look at it this way, you drive a car, cook on a stove, and use assorted tools, so you already have the idea of respecting a tool while not fearing it ingrained into you. Reloading is just a different set of tools used in a very specific process, and can be as safe or as dangerous as the person using it. So keep your head cool, work slowly, and dont let anything distract you, and you will do fine. And ask any questions you have and someone here will have an answer for you. Best of luck, stay safe, and congratulations on the choice of a fine rifle/caliber combination.