Energy capping is NOT a DPS loss, as all chi spenders have higher DPET than builders. In the case of BRM, you use it as a defensive cooldown and it does it gloriously: you stack up craptons of Shuffle and/or toss out Breath of Fires/Spam Purify for heavy damage. In the case of MW, you can literally use it to regen mana and burst heal.
As for Bear, I don't see any legitimate downside to any of the lv100 talents. Each of them is suited for different situations. I do have to say though, that Bristling Fur is incredibly weak, especially compared to Pulverize.