K--my curious George side has me asking why you're carrying whilst musky fishing...?
Like noted a couple above my post here, the only time I've ever been charged was while musky fishing, a main fishing area I frequent is a tiny river, mainly fish it for the peace and quiet, but it's narrow/winding, and when I take breaks throughout the day I like to go ashore, sit, have a cigar, relax and chill.
I've had bears within 20 feet of me right out my back door, had one 6.5' away one day while having a cigar, that bear encounter while musky fishing is actually the reason I decided to carry, and I mean carry in the general as well as woods sense.
Wilson Combat P320 Carry for my daily right now, OC spray, S&W 4" 500 S&W for my woods/outdoor carry and I have bear spray as well.
Jet-skier came by after my encounter on the river that day, boulder filled narrow area so he had to stop and putter through, I noted the experience to him and he said there has been a bear harassing people, he noted some local name for it that I can't remember.
Caught up with him a few years after that and he had noted several additional incidents with that bear in the same area that he had himself alone.
MN does bear reports each year and if you look in the report it'll note in some tables instances of bear "issues," it won't say things like "attack" but you can see the instances requiring instant action vs. delayed action like having special tags issued to have someone come hunt that bear.
The instant action instances are likely going to be what would be akin to Alaska's Defense of Life or Property instances, these are likely the, no joke, time to shoot type scenarios.
We've actually had 40+ a year the last couple years, it would seem threatening scenarios are perhaps more common than a person would be lead to believe. They also note that the way in which one had to report an incident before a few years ago made it difficult, which is why they believe the numbers have jumped.
Meaning, the numbers haven't jumped, people just didn't used to report it because it was a mess to do so.
Alaska Game and Fish also notes that they expect 30% more instances happen than are reported for their DLP reports, people don't report for fear of repercussions... I'd imagine in a state like this that number may be higher.
Anyways, I do live in "nowhere" Northern MN, boat ramps are not big paved parking lots but rather dirt surrounded by trees, people leaving their bait, partially consumed food, fish they don't like, etc... on the shore doesn't help keep bears away.
I wear the 500 duck hunting too, same reason except I'm loading my boat at 12am, 1am or so.
Like noted, I have had bears right out the back door of my house, I have nothing against them whatsoever, been within 20 feet dozens of times (which is stupid), so I don't go looking for trouble, I would hate to have to shoot one in defense, same way I'd hate to have to shoot a person in defense.