If you are 100% confident that you can hit a charging bear with the first shot everytime, get the .454.
If you have even a 1% doubt about hitting a charging bear with your first shot; get the .44 mag as you will be able to have MUCH faster follow up shots with the .44 than you will with a .454.
There is alot more to picking a defensive gun than ballistic charts. If I can hit bear twice with a .44 in the time it would take me to hit the bear once with a .454 I'd rather have the .44.
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