how about a 20g semi auto shotgun with slugs. the idea is to stop an agressive bear right? 5 slugs dumped in a hurry will slow it down and make it re think its life decisions. My wee gf is 5'1 98lbs, her hunting rifle is a ruger 44mag carbine from 1970, fits her well and shes enjoys shooting it. They are some what hard to find tho. Somthing else to think about is the fact that under stress, a semi auto will always re load until all rounds are fired or the threat is gone, manual action's can be short stroked due to panic, regardless of the type of action it is. Everyone has done it once, last thing you want it that to happen to your wife as she is trying to fend off a bear. as far as carring a firearm with an empty chamber...sure, nice idea, unless she spooks somthing that needs t obe shot right now, this goes back to the moment under stress, why take that extra step of chambering a round then fireing? also, if you run with a round in the tube, you can also run with a full mag, so there is one extra round, just in case. She needs a gun she will be comfy carrying and using, in a round YOU fell will do what needss done when under stress and meters count. YOU also need to put a lotta rounds through what ever she buys to prove that its also reliable, that its gonna work when it HAS to work. keep an eye out for the ruger 44mag, try looking at a few 20g semi's that fit her, and a mini 30 with a few extra mags would be my last pick, with soft points, not fmj's