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This damage is lethal for our creature, so when SBA are checked it must be destroyed, but Umbra armors replacement effect comes in action: damage is removed from the Bear, and the Umbra is destroyed

The Redcap is more of a speed bump, like Solemn Simulacrum, that is really unappealing to attack into

C Common Gravi-Crush Dragon X DARK Level 6 [ DragonEffect ] ATK 2400 DEF 1200 You can send 1 face-up Continuous Spell Card you control to the Graveyard, then target 1 monster your opponent controls

But, like with all of these cards, putting two situational effects together really does make for a significantly better card, as the situations where you can use that card are drastically increased, even with a card that has two incredibly situational options