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150gn Jack Hammer, designed for deep penetration.

 
I'd suggest that not looking to be cheap for something that you're going to possibly need to save your life isn't the best approach. Find the best item for the task and then find the least expensive place to purchase it.

 
I just loaded up some Montana bullets works 200 gr cast bullets with Longshot powder getting 1200 fps with them out of my Glock 20.
Bengel bullets makes a nice powder coated 200 gr bullet also.
 
What kind of bears and what is your definition of affordable?
Technically there has been a brown bear in my neighborhood a long time ago, but a black bear recently roared at me. By affordable I mean likely a good hardcast that I can shoot enough of to reliably be able to shoot a bear dead. However as we all know, money is an issue. Some of the $3 a round staff is fine and all, but I want to develop a mean, bear killer that I can train with. Something hot, with a good amount of penetration to drill right through a bear skull is what I want. I suspect this isn't an offbeat idea for 10mm. But I do want to load my own. I don't want hollow points that are designed to be used in self defense from humans. I have a small box of underwood and clearly it's a cast, powder coated bullet. I'd like to know what of those people are having success with. Bullets are what I am interested in, not premade rounds. Once I decide on a bullet I get to play with powders and see what my accuracy is best with.
 
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Montana bullet co. sells a powder coated 200gr bullet that makes a good practice bullet that matches their HCGC bullet for carry, powders your kind of limited if your trying to get to full power AA-9 or Longshot are your best bet.
 
Underwood uses a cast bullet from Strait Shooter Cast Bullet Company with the "Black Cherry" Coating. https://www.sscastbullets.com/
Looks like their site is down but I have used this bullet to duplicate an Underwood round for the 10MM.

Another good bullet I have also used is the Rim Rock Bullets 200, and 220 grain Hard cast bullet in 10MM. Rumor has it that is the bullet that Buffalo Bore uses in their ammo. https://rimrockbullets.com/xcart/tsh-40-10mm-200-gr-tc-per-300.html
The owner or Rim Rock bullets will also provide you with load data if you ask. And a note on the 220 grain you sometimes need to load them shorter than normal to make them feed correctly in certain handguns.

I've shot both of these bullets in a S&W M&P 2.0 and a Glock 20. They work but its a learning curve to get it right. There is a ton of info out there regarding loading heavy cast bullets in the 10MM.
 
Missouri Bullet Company has some 200 grain bullets for 10mm that are 18 Brinell hardness that should do the trick. They are only $53 per 500 (plus shipping). I load my 10mm with Laser Cast 180 grain TC bullets and they are 15 Brinell hardness. MBC even has Hi-Tek polymer coated bullets if you don't want to handle the lead ($60 per 500 bullets).

 

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