Your correct. The main reason is because of the bullet construction that is designed to stop humans, and not have overpenetration..
Bears are rampaging godless killing machines. Most handgun rounds will barely rustle their jimmies.
Maximum penetration is the key to a hunting bullet. The bullet must retain enough energy after crashing though bone and hide to hit the vitals. When I elk hunt in the mountains, I prefer to hunt alone. Along with a rifle, there is a .44mag Super Redhawk, loaded with 300 grain Elmer Kieth hard cast bullets, powered by 21.5 grains of H110, travelling 1300 FPS. Its bear and cougar country, so seeing tracks in the snow is not uncommon. If possible, I'll radio one of the other guys to stand by while the field dressing goes on just to stand watch.
Again, 99% of the time, they won't bother you. Enjoy the beautiful country.