This happened in Guild Wars. My guildmates and I went to the underworld with two 100 blade warriors, a spirit spamming ritualist, a necro, a paragon, an orders elementalist, and two monks, me being a monk. I'll save you the boring stuff. We get to the Chaos Planes, start the Four Horsemen quest, and a lot of big ass monsters were ambushing us from all sides, and we didn't know what to do. All I heard was "shit!" and "fuck!" on the vent channel as we futilely tried to run and heal, but everyone got beaten down. We haven't went back there since.
Fallout 3: I was walking to Megaton, and I turn around and I press the VATS button (R button on 360 controller) and I see a deathclaw lunge at me. Yeah, you know what happens next. "Oh shi--" *rip*
I feel for the OP in Dynasty Warriors. I was using my created character in DW4, I forget where this battle took place, but I saw Lu Bu come at me from a distance, then challenged me to a 1v1 battle, which I accepted. I lasted a couple seconds before being ripped to shreds. I couldn't even say oh shit before I knew what hit me.