Where I live, I do need something that will discourage a bear or wolf; even in town. Last year a black bear came up the ramp from the harbor floating docks as I was arriving home from work. Just a cub, scampering to get back to...
...Mamma Bear in the parking lot behind the dumpster!!!!
.357 ready. No shots needed. The little fur ball scooted past with Mama scolding as they headed toward Main Street.
OTOH, if your main concern is protection against feral humans, a .380 is probably just fine. I would even go to a .22LR.
I’m in bear country too, but fortunately the armed rednecks vastly outnumber the bears.