At least I would have a chance. I have a hard time believing pepper spray is anything more than a fell good amulet!
Shooting a charging bear is harder than it sounds. If you don't kill it, chances are you'll just really piss it off.
It seems destiny is reading us: this morning in the news a 70 yo French hunter was charged by a bear and shot it 2 times. The man is gravely wounded (femoral artery) and the bear is dead (she had 2 cubs).
I completely forgot that they reintroduced bears in the mountains south of France (Pyrenees) a few years ago.