Yes, a merganser is a duck. DH also saw an American Widgeon last week. Very lovely ducks.
The bears I have seen are black bears. One summer day my family and I were walking on trails near Shuswap Lake and saw a mother and two cubs. We had to move away from the area as a mother bear can be aggressive.
A few summers ago we were in Anchorage Alaska at their aboriginal cultural center and a huge bear just sauntered across the path. Freaked out the staff who basically locked everyone inside the exhibits while they tracked it.
I have a photo of my Dad with a huge bear he shot outside our trailer in a forest service camp in the interior. It had been hanging around the camp and there were many children, including baby me. Sad though.
We do have problems with bears habituating to human neighbourhoods. They like fruit trees, berries, and garbage.
Yes, we have to watch our pets. Coyotes have killed small dogs in Vancouver. We never let our little one off a leash in the forest. I have seen coyotes loping down the middle of our street. One attacked neighbours cat on our front porch years ago. Blood everywhere but the cat survived.
We have had to cull coyotes in Stanley Park as they were attacking people who were jogging etc. it is apparently due to people feeding them.
Raccoons can be a real nuisance. We had one who had kits under our front porch. She dug huge holes in our garden to get in.
I would still love to see a hedgehog!