I've got racoons living under the shed and it appears that squirrels live in it. So far other than the poop they don't bother anything. I don't mind cute fuzzy creatures that won't eat me.
No bears here, though you'd never know by the size of the "coils" the raccoon leaves in the same place in the lawn every night. First time i saw that last year i called the SPCA, thought there must be a bear. The girl that came over was some sort of Poo-ologist and instantly said it's a raccoon. I noted it's the size of a raccoon and she assured me there are some large ones. saw it one night, probably a 50 lb beast that can look over the side of an upright garbage can.