Greyah said:
I don't really know any, actually. I find that in games where you have a weapon at your side, there is no need to be afraid because whatever might come at you, you can probably just kill. If you can't kill it, then perhaps, but usually the "shoot it a few times and then walk away" tactic works pretty well too.
Now, I can already hear you say "What about Amnesia then, hmmmmmm?" but that's the thing. I find Amnesia incredibly silly, because the main character is such a dumbass. Just pick up, like, a metal pipe, crowbar, or whatever you happen to have near and bludgeon the damn monsters to death, you idiot!
Lemme write this out for you.
You pick up a stone/plank/time-frame misplaced crowbar from the floor as the creature shambles past. You creep up on it slowly, making sure to make no noise. As you get to it, you stand upright, draw back your arm, and crack it in the skull as hard as you can. Being mildly pissed off on top of the normal murderous, the creature turns to you, utters a chilling shriek, and proceeds to tear your arm off.
Its not about the intelligence of the character... well it is. If the character wouldn't feel that he would be able to take down the enemy, he might not even try and would choose the second part of the fight or flight response. Especially if they enemy is some horrid abomination that is just looking for its next victim to murder-death-kill and you are not even sure they can be killed in the first place.
As for games that you are armed in, with a magic or otherwise fantasy setting, not everything is going to be dispatchable with a good old hammer/bullet to the face. If its incorporeal, regenerates alarmingly, or is just really thick skinned, it presents much more of a threat. And if you aren't equipped to deal with that threat yet, your options just got very limited.
Think fallout 3 or new vegas. You just got your shiny new pistol, stole a handy but low condition shotgun from some poor bandits, and are off to conquer the wasteland! So you round the next building, looking for the entrance, and are now face to face with a deathclaw. If you are incredibly lucky enough to dodge all its blows and have enough ammo to take it down, the initial BWUH?!? and following fight is going to cause a fear reaction and an adrenaline rush in your average person. Even if you are capable of handling a deathclaw in a couple shots, suddenly being face to face with something nasty and unexpected will make someone jump.