Dave, I've had a few close encounters with bears but never have been charged, not something I am looking forward to. Glad to hear that the pepper spray works, I carry it but always have some doubts about it.
When I first started shooting landscape I was a total tenderfoot, being a city boy and all. It is amazing that i have survived my own stupidity and ignorance about the wild as i have had many hazardous experiences. I can laugh at them now, and they make for good stories when I give lectures, but they aren't fun at the time.
At this point I have gotten more knowledgeable and have put myself in danger less often. However one of the cardinal rules of the outdoors is one that I always break, as I am sure many here do. I hike alone. I really don't see a way around this and I take as many precautions as possible, but it seriously increases the risk involved, especially of animal encounters.