Not much on rafting, but when hiking and climbing, including winter roped peakpagging, a little stainless S&W is in the pack, hammer down on empty chamber.
Was never concerned about animals, the two-legged ones are the only concern I've ever had. Many people go to the outdoors with the idea there is no restraint, they can ingest whatever they want and behave in any manner. I'm not including climbers and serious hikers in this, but there is a zone between trailhead and trail's end where the public can be problematic.