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Carrying more equipment than necessary. Overloaded. It can be used in a variety of ways meaning a person is equipped more than necessary for his/her prey.
A woman dresses "to the nines" with high heels, lipstick, new hair-do, perfume, etc. for club-hopping. "She's loaded for bear."
A youth is going hunting for squirrel but takes his father's high-powered rifle and a shotgun. He's loaded for bear.
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