I've had many run ins with cats and bears over the years and bears normally will back down from you if you move away SLOWLY. There are exceptions and you may have to fight or shoot. But a cat that approaches you is real cause for concern, they are usually young and inexperienced or old and starving or injured in some way and under no circumstance should you run ---you have to stand your ground or move away very slowly--NEVER turn your back on them, try to appear as large and frightening as you can, wave your arms or whatever you can get ahold of over your head to appear bigger, but be prepared to fight with whatever you have at hand because if it is bold enough to stalk you chances are it will follow through. I've seen many cats (lions) over the years and had 4 close encounters 1 left as soon as he figured out what i was 2 left after backing me up about 50 feet and 1 ended badly for the cat (young cat about 60 lbs) i cannot express this enough DO NOT RUN thats just ringing the dinner bell to them. The part about being bent over panning--don't sweat it -- if one jumps you from behind you won't feel it for long, if at all. Hedge your bets and carry a side arm i always do, as far as the dog thats ok but one dog is just a scobbie snack to a hungry cat! Chances are you will never see a cat so have a great time prospecting, i know i do. Dirty Ike