I'm trying to use this as an opportunity to talk the wife into spending some money on a new gun, fingers are still crossed. Im planning on picking up a .44 wheel gun or g20 within the next year so that when we get into big bear country I have a better caliber than my 357s and 9s. Thanks for bringing up the hill people gear pack I couldn't remember the name of the company for the life of me.This comment is the best advice you've gotten so far and I was about to type something very similar.
Personally, I've been on several black bear hunts in Ontario, and one in Maine. I've seen several grizzly's while backpacking in Alaska. All of them were skittish, and all of them could have torn me to shreds if they'd have wanted to, and I'm thankful they didn't.
I have a hill people gear chest pouch because it looks like some type of backpacking gear, not some tactical weapon carrier. If you're trying to stay grey man that's the ticket, but you'd better practice ripping that thing open and drawing from it because it won't be as quick as the Kenai gunfighter chest holster type under any condition. You'll likely also want a kydex trigger guard that you secure in the pouch that's specific to your gun to help keep it from bouncing around. Also, go on a few mile hike with it so you get used to the feeling of a couple pounds on your chest, it'll effect your breathing for sure.
While at a gun store in Anchorage killing some time with my buddy we asked the guy behind the counter what locals are using. From what the guy behind the counter said just about everyone up there is turning in their 44mag wheel guns for glock 10mm's. This is where you turn your dilemma into an opportunity. Talk with your wife about this specific need and how it's easier to handle, holds more rounds, for the family, to protect the kids, and she could use it too. Might as well try to get a new gun out of making her happy right? (you did ask this on a gun forum)
If you don't want to drop coin on a new gun, definitely go with the hard cast rounds in whatever you've already got and paid for. Just make sure you actually shoot a few first so you know it cycles and you know what to expect out of them. You're in for a ride, those rounds are meant to break bear bones.