A 4" .38 Special is fine for 2 legged threats as so many police reports show, However a .357 is much more powerfull and can shoot +P's ( I carry them in my Vaquero)
The best bear meicine is a 12ga stuffed with "OO" Buck and a couple slugs. It does raise some attemtion because its. well so big! A 12ga is pretty good for just about any situation. You still have to aim with it but the pattern is devistating!
I was brought up with the .38 Special and own a Chief for discreet carry and a Model 10HB for power and accuracy, plus the extra round of ammo. It's very accurate and the 4" bbl makes some power!
I don't shoot +P's in either of my .38's.
Besides the 12 GA I have a 20GA SxS so the wife can fire it comfortablly. Me too when my Disability is acting up. The 20 GA with #3 Buckshot loads is very adequate for defense. Ask the FBI.
HTH,
ZVP