At least four bear sightings over maybe 6 trips (all to Quetico).  All were while paddling, seeing bears in the water or on shore.  Never up-close.

I have had a few up-close encounters on adventures elsewhere.  While car camping, as we were loading the car to get underway in the morning, a bear strolled through our campsite completely ignoring us (food/kitchenware had already been stowed in the car). Another time what sounded like two bears wandered into our campsite (everything stored in bear-boxes) and we could hear them breathing from inside our tent.  My wife and son encountered one on a likeside trail on Glacier NP (while I and my other son were paddling down the lake).