Russell and others, I agree with you. Many who have never ventured into the bush or have little experience become easily fearful and uncomfortable when the bear subject comes up. It is a natural response to the unknown. Depending upon the severity of the fear, one's response can be more emotional or rational.
I suspect my approach is much like yours. I do nothing that would encourage the bruin to come visit camp or want to stay. I watch my surroundings and position myself accordingly. Prior to each trip I assess the bear situation and try to determine what the level of risk is. Rarely, do I bring bear spray. Never brought a gun. However, I did bring bear spray, bear bangers and the biggest air horn can I could find when we last traveled through polar bear country. Next time I may travel differently or maybe not. It depends.
The more educated you are on the subject, the easier it is to make an informed decision. I am not going to fault someone who carries spray or more when it is not really needed if it makes it easier for them to sleep at night. With time and experience, they will learn. In doubt, it is better to be over prepared than under prepared.
Getting back to the original question, black bears are a risk that can usually be mitigated with a little bit of knowledge and caution. You do not need to fear them. Cougars, I am not knowledgeable enough to talk about them.