i have nightmares with tabitha. true...

The ambeint music in the Wasteland of the first two games is amazingly disturbing to me.

You can hear the screams of the innocent sailing on the wind of an irradiated wasteland.

Sorry guys, don't mean to put the cap on this but:

For the absolutely scariest moment in FO, load Old World Blues, head on over to X-12 (I think that's it, it's the closest facility to the Think Tank), and shoot at an experiment in there. You'll soon be greeted by five or six walking skeletons rattling and blasting your @#$%in head off.

Mostly that the social experiments and the weird mengele-esque crap isnt far fetched enough.

I remember playing FO3 for the first time and enjoying the time in the Vault then having to leave and seeing the complete desolation and bleakness knowing that there are probably dangers lurking everywhere. I didn't know I had to go to Megaton so walked in a different direction ended up being spotted by several raiders (one with a flamer) who quickly killed me. From that point on the wasteland creeped me out.

Worst moment was Super-duper mart, going in there knowing the raiders are there and seeing the barbarism of it all.

However, at this point having played FNV and FO3 I think raiders are pretty easy and nothing to be scared about once I reach a certain level.

Sudden VATS camera zoom, it scared me out a lot and i really don't like it but in the same time I can't play without it

Necropolis is a scary place. It's the soundtrack, I tell you!