No bears in the Ann Arbor area sadly. You have to go a bit north to get bears. But those areas are easily reached via car. My parents for example live 3 hours away (220-ish miles) and they get a couple of bears a year bumming around.
Yes, but I've lived here for 20 years and have never run into one while camping/canoeing. They are more active (but still sparse) in the Upper Peninsula.