No bears in the Ann Arbor area sadly. You have to go a bit north to get bears. But those areas are easily reached via car. My parents for example live 3 hours away (220-ish miles) and they get a couple of bears a year bumming around.

Yes, but I've lived here for 20 years and have never run into one while camping/canoeing. They are more active (but still sparse) in the Upper Peninsula.

Yes, black bears in the northern Lower peninsula and the Upper peninsula. Also likely cougars, but the DNR wont admit it.