For me it was in Fallout New Vegas. I started a new play through and I wanted to get over to New Vegas. I managed to reach the Junction 15 railway station by going through Black Mountain. I fast traveled back to Goodsprings to sell somethings and I was hoping a Deathclaw near me was gone. When I fast traveled to the station there were 2 Deathclaws about 20 feet away me. I said, "Oh, Lord Jesus, they're Deathclaws." Then I ran out of the station. I didn't grab no caps or nothin', Jesus. I ran for my life. Soon after that the 2 Deathclaws turned into 3 then the 3 turned into 5. And then the Deathclaws got me. So I ended up getting rap3d faster than a drunk teen at a party.
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Speaking of Fallout, I made a new profile on vegas, and started up hardcore mode. Now I shit you not, when I climbed the hill up to the goodsprings cemetary, instead of the usual bark scorpion, I got a fully fledged giant radscorpion. So I cheezed it, backpeddling down the hill emptying my 9mm machine gun and varmint rifle into it, and got stung once, draining my health to nearly nothing. I had to lure it to Victor, and victor did minimal damage before dying. I ran and ran, and it got easy pete, the shopkeeper chet, and sunny smiles. I finally killed the damn thing with no heals, no ammo, and all my meters running low. Basically the entire playthrough, or how far I got into it, was hell and still sits gathering dust to this day.