And I would add that part of your mindset is threat assessment and preparing for the likeliest problems first and then going down the list of lesser and lesser likely problems. For instance in your example the odds are a lot higher that you're going to have a house fire and really high for a car accident. Camping you're more likely to have a cramp, blister, sprained leg, infected cut, head injury, laceration,broken limb, burn, etc... I could think of all kinds of more relevant gear to carry in place of your 7-10 pounds of bear protection because unlike your seat belt and smoke detectors, you have to carry your bear protection.
Another part of your mindset concerning bears that never gets talked about is understanding the behavior of the animal. Just like dealing with people, knowing what signals to look for will get you a lot farther then just relying on your gear.
In the end carry what you like. If that gear makes you more comfortable then it's all good.