The problem with loading heavy bullets in your model 28 S&W is, most of them won't fit in the cylinder in a 357 magnum case. For many, many years I loaded the Keith 173 gr bullet in 38 special cases & 2400 powder in my model 28 for a quite powerful load. That's a load that she could handle, especially with a set of Pachmyr grips. She has to been able to hit what she's shooting at & I've killed deer with that load. If she has to use it on a bear it's going to be close.
Way too many people over gun themselves when picking a "bear" gun & load, you have to hit something to get it's attention. If you want some good Keith bullets PM me & I'll send you some. I'll also tell you a couple of other things you can do to help her shoot double action better.

Dick