LivewiresXe
Smash Hero
It's interesting (well to me at least) how everyone has a different level psychological tolerance for different kinds of horror.
Take my sister and I for example; she's extremely afraid of bugs while I sit here and laugh the thought of being afraid of something like a roach. But on the other hand, I'm really paranoid/jumpy when it comes to scary movies, novels, etc., while my sister can sit through a movie like the Texas Chainsaw Massacre at 3 am with all of the lights off by herself with no issues.
The mind works in mysterious ways.
The scariest bits for me are like things that aren't ridiculously supernatural or seem like they could happen. Like that may have been a bad example there but like, in horror films and stuff it's almost more scary when the killer is really "just a guy". Kind of like how when Kefka was established as the FFVI villain, he was just a guy. Or how in Suikoden 2 Luca Blight was ultimately "just a guy". Yeah, those aren't scary games or situations really, but they're what makes them stand out. Though I've probably botched my point.