Jon: The net result of all my, my wife's, my kids' and my employees' bear experiences have been a few exciting moments on the trail and a few photo ops on the River.
Moose, on the other hand: I've nicked two. Lost the mirror off the driver side of the Subaru to one in heavy fog. In my defense, I missed the first moose by SO much I almost entirely missed the second moose. Some J-B Weld fixed it. The mirror, not the moose - the moose kept going.
And I was on a straight section of highway doing 55 at 7 am in January (i.e. completely dark) and there was a moose in the road. I started braking on the ice while it start running away on the ice. I was doing 45, it was doing 2. 35 and 4, 20 and 6, we met when I was doing 8 and it was doing 7 mph. It kicked my front bumper and thereafter it was going faster than I was.
The most detrimental event (in terms of wildlife and motor vehicles) was when the au pair called at midnight. She'd been returning from Anchorage and a moose ran out in front of her. She was okay but shaken. The Corolla was within an inch of being a Corolla and could be driven but for a broken window and no A/C (not really needed in February!). The moose took a bullet from the Trooper and was distributed through church volunteers to needy families. The Corolla was totalled in an insurance sense and I consoled the au pair that she'd fed four poor families that night.
Statewide, there's one bear fatality every other year. 0.5 per year, on average. In our borough (of 60,000 people, 1/11 of the state), there are about 400 moose road kills each year. Most of those cause $5,000-$20,000 of vehicle damage and maybe 10% of the people end up at the hospital. I'd guess, statewide, there are 2 or 3 moose-caused human fatalities each year. So 5x the risk compared to bears. Very few moose on the trail, most are encountered at 60 mph where guns don't matter but seat belts, air bags, and aerodynamic cars do help. I stress to all drivers in my household that a snowbank is a GREAT place to put the car when $h!t happens. If there's a wreck or moose on the road, just put it into a snowbank.
In Zimbabwe, I was more anxious about lions and cape buffalo. But hippos kill more locals and more tourists than everything else combined. Once I spent a week on the Zambezi River, I could believe it. I would like to think that if I'd been there longer, my anxieties would have (1) come in line with local risks and (2) lessened. But I was only there for a month.
My way of dealing with risk is to look at the numbers and see how I can adjust my behavior the least to reduce my risk the most. It works for me, but different people take different approaches.
Editted to answer Jon's second Q on seasonality: This incident seemed related to heavy snowfall and more moose being pushed down into town. I'd theorize that when the moose can't move/run as well to avoid predation, they get more aggressive and stand their ground more. The other seasonal issue is cows getting very protective of their calves when they first drop in early May. Then they'll cross a street to stomp a dog instead of just going the other way because the calf is so slow and wobbley for a few days. Conversely, just before calving, last year's calf is run off and it wanders around lonely for a few days coming up to me, even my dog, with a will-you-be-my-friend? look. Had one come up to the hot tub and we petted it on those nose in early May three years ago. We don't see a lot of bull moose in rut. Most of them are hunted. Mostly we see cows and calves.