I have carried, but don't do so often. However,
1. I am not at all worried about black bears in PA. I've seen plenty and consider it no more dangerous than seeing a deer or turkey.
2. If I were concerned with bears, I'd venture that bear spray would be more effective than a handgun.
Nor am I concerned about snakes. Well, I'm concerned, I just don't think a handgun is gonna help me. If I can draw, aim, and shoot, I surely could have stepped away. It's the ones I don't see that scare me!
Rabid animals is about the only animal life that a handgun might be useful for. I suppose nasty humans as well, though the gun had better be your absolutely last resort in that situation. Still, I could see stumbling on a drug deal or people doing some other highly illegal thing, and a gun being the only way you're getting out of there.
Other than that, a handgun is in case you want to do a bit of plinking while out. That's really the main motivation. Also makes a heck of a locator if you break a leg or something way in there and people are looking for you.