Terry,
Don't worry about being new to this. In any event, by "blow-up," I mean that the bullets essentially break up into several tiny pieces of metal and lead and thus does not penetrate. Think of it this way. If you take a 1 pound rock and throw it at a window, it will penetrate and break the window. If, however, you take a 1 pound ball of sand and throw it at the window with the same speed, the sand ball will break up into thousands of pieces and not break the glass.
Now, certain bullets are made to expand, and not blow up, at certain velocities. For example, if you shoot a 180 grain Remington Core-Lockt in 30-06 at 100 yards at a whitetail through the ribs, the bullet will expand very quickly, but still retain it's mushroom, and thus most of it's weight, and penetrate. However, if you use THAT SAME BULLET in a .300 Win. Mag. at the SAME DISTANCE on the SAME ANIMAL, then the bullet, since it is going much faster, will expand VIOLENTLY and break up into tiny pieces like the sandball example.
Now, certain bullets, of same weight, are constructed differently. Ballistic tips can expand VERY quickly and do not retain their weight as well as other bullets, like Trophy Bonded, etc - which retain about 95% of their weight.
Whitetail deer are very easy to penetrate (much more so than an elk or moose) - so you don't necessarily need a stout bullet, but if you shoot a fast gun like a 300 WM, then you nonetheless still need a stouter bullet, especially if you will be shooting at closer ranges - ESPECIALLY 10 YARDS!
If you shoot a 180 grain ballistic tip at a deer at 10 YARDS from a 300 WM, then I'll bet you that the bullet would never penetrate and blow-up at impact - thus penetrating only a few inches or so.
Black bear are heavier animals with thicker skin, muscles, and especially bone.
Your best bet is the Nosler Partition or new Hornady BONDED SST (if they offer it in a 165 grain. Anything bigger is too much for whitetail, any less is too little for a black bear.
Just so you know, the Partition has two cores. If the first part blows-up, it still has the rear ward core intact to penetrate.
Zachary