My scariest moment was when i encountered my shadow self in the grove of reflection in SI. Imagine my suprise when i enter a room with strange foliage, and a dark version of myself in black madness armour attacks me with a huge claymore and a summoned flesh atronach and kills me in one hit! I was level 32, and when i checked, my difficulty was all the way up. Oooops! anyway, i kept that part as a permanant save, and it still scares me a little to this day.