deebar wrote:1032solutions , I understand perhaps the liability issue and quite honestly never gave it a thought . I'd like to mention one other thing about 'hot'.
Every year I take 4 or 5 horses into the "Gospel Humps" of Idaho for a month and into Montana once in a while . While riding , your chances of a bear encounter
are very close to a 100% deal . Big bears not so much but lots of blacks and the thought of 16 rounds of big pistol bullets is better than one shot , maybe two from a rifle
if any . I've been around a lot of bear and I've seen them do many amazing things and all to often way to close . May write a book on 25 years with bears . I've seen several killed
and have taken a couple myself and even 16rds of 10 could make it real interesting .
And that is pretty much an understandable reason. Black Bear are commonly underestimated. While those loads are going to be good for hunting, I think they would be poor choices for defense and practice though. Black Bear require penetration, more penetration than is ideal for proper terminal ballistics in a human, plus you much more at risk of shooting through your target plus your backstop in a structure. I honestly think I would look at a commercial load for those. My duty loads were the Win 210 gr Silvertips, at the time one of the hotter loads available. They absolutely sucked on any deer I used it on, and I am hypothesizing from my observations that it was that massive overpenetration where the bullet didn't get a chance to do what it was supposed to. To be honest, I'd recommend that load or one of the Double Tap brand. They were the other decent performing loads made at the time, and appear to still be in business with ammunition for exactly your purposes. Now it's not reloading, but I think solves your hunting ammunition issue safer, and more efficiently than working up those hot loads yourself. The cost of trial and error loads would probably get you close to just buying the factory hunting loads anyhow, for as little as they would be shot. For defense and training, which is likely going to be many more rounds fired, you could work up a load that is less stress on you, the gun, as well as more efficient for those purposes, something a little hotter than the 40 S&W loads if you like. The balance between 40 and 10 are really a good place to work with in terms of the penetration that's wanted for terminal performance for defense, and the recoil is more manageable making any training or shooting more efficient as well.
And as for an AR being too cumbersome, well, I've got a 10.5 Mk18 that I can hide lots of places, and I've worked some very tight areas with it.

One could be secured to via a decent 2-pt VTAC or Vickers sling to ride very efficiently....

I used to believe as you did that you needed more oomf from the 40 at 50 yards. #1, bullet technology has evolved greatly improving performance, and #2 I was at a training with Larry Vickers where we witnessed a good number of the students able to make hits well past 50 yards, and even out to 100. When it comes to needing more, it's accuracy from a rifle, not more from the bullet. Pistols aren't losing enough velocity to make that sort of difference. So if you have a 40 that you are competent and proficient at, there is nothing wrong with continuing to use that for your defensive stuff. I'm a rural LEO, and I've worked the northwoods areas of my state quite a bit, so I'm pretty familiar with your type of environment and needs. In fact, I live it as well on 300 acres.