375 Ruger Factory loads, Too much ?

Trident

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Hornady makes a 375Ruger, 270gr SP-RP, at 100yds it makes 2600fps and 4000 ft/lbs.

So, my question is:

For med-large Ontario Black bear, should I use factory ammo, or spend the extra money for reloading dies and use a 225gr-235gr or even 250gr bullet?

I'm pretty sure that a shoulder shot or even a hind shot with factory ammo will destroy most of the meat. The initial cost for factory will be similar if not just slightly less than for components.....
 
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