Heh pretty much all of the above. One thing i love about this game is that false sense of immortality you can get on later levels, then BAM something nastier and meaner than you, kicks your ass..
Like the time i bumped into 3 frost spiders at the tower near Dawnstar. Did a shout on them and giggled when one of them flew about 40 feet in the air, then as i rushed in with my 2 handed Orcish greatsword, i was gobsmacked when they bum rushed me and actually killed me :tongue:
I know!! I was recently exploring a fort of Necromancers and Rogue mages, and I was kicking all their butts, but then, a master fire mage pops out and blasts me with a massive rain of fireballs, took two tries to eventually use elemental fury + dual weild swords to take him down.
There was another time, I was on one of those word walls on top of a mountain, I slaughtered the dragon, and said "That's how its done!" but then, a coffin blows up and a super-tough Dragon preist called Krosis jumps out and kicks my ass, I reloaded several times, but eventually just decided to lure it away, use the word wall, and abscond.