Originally Posted by
Mike Buckley
You aren't trying to learn everything about your camera, at least not now. You tried that process in the past in it was largely ineffective. As an example, it was only last week that you realized that your viewfinder displays a meter reading. Once you realized that, you incorrectly assumed that it would not allow any clipping to take place. So, despite your dramatic improvement in certain areas, especially composition, this information speaks to the fact that you still haven't learned the very most basic stuff about your camera.
As a result, my very firm belief is that you should be exceptionally disciplined in using Aperture priority and exposure compensation, and Auto ISO if you are not using a tripod. I can't repeat that often enough and I can't be much more help if you decide otherwise.
This is a perfect example that demonstrates that you understand a lot of the relationships of how your camera works but you understandably don't yet realize how to put that information to practical use. Unless the bear is dead or anesthetized, it's not possible to achieve a shutter speed that both blurs the waterfall and keeps the bear sharp.
Again, stick to the stuff you decided upon a few days ago and don't veer from it until you master it.