Most panicky moment for me was when playing S.T.A.L.K.E.R. SoC with L.U.R.K. mod (playing on master). I was planning to do a simple side mission in one of the early areas of the game, which went very badly due to a couple of idiotic mistakes on my part. First, I forgot to buy ammo which I really needed. Second, I left in the evening, not realising that night in L.U.R.K. is literally a black screen. Third, I misread my map or something.
The result: me getting lost without realising it, and suddenly finding myself in the bloodsucker village in the middle of the night with just a handful of rounds left. I think I killed two of them with great effort, but then I was down to two or three rounds left for my pistol, and nothing else. I heard something getting close so I freaked out and for some reason decided the best course of action would be to hide rather than to run away, so I run into one of the houses and head for the cellar. Feeling relatively safe, I switched off night vision because I wasn't sure if the AI can hear the noise it makes. I waited there for a while, and thought I'd carefully try to make my way to safety as I hadn't heard any further bloodsucker-related sounds.
I switch on my night vision again, and that's when I notice there's a bloodsucker right in my face, who has apparently been waiting for this very moment, laughing quietly to himself in anticipation of the shitstain that was to form in my pants. I ran like I've never run before in that game, and never again went anywhere near the bloodsucker village in the evenings during that playthrough.
