40 yards? Thats my average hunting distance for bow and handgun. 99% chance that bear is dead with the first shot. If he is running head on at me, three shots max. I have hunted and been around black bears for some time, so they dont scare me. I can keep my wits around them and that is what will save me when armed with a 357 Mag.
As to firing immediately or waiting? If she is charging at you, I would aim for center frontal area and shoot as soon as I could get a sight picture. Black bears tend to hang there head low when threatening or charging, so an aim to the center frontal area would give you a high hit area in the head, chest and spine.
Now if it were a 600 lb Griz, I would pray on the run.
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