It almost happened with Resi 5.
I don't like huge insects in mah vidya games (EDF looks like a fun unapologetically video gamey series that i would probably like but i can't get passed the building sized insects)
Resi 5 was my first resi game so i already had reservations about it being scary and all that considering that's what the series is known for.
Got through about 80% of the game with no scares and i was thoroughly enjoying my time with it. Then there's a level where you're in a factory and you get introduced to this big ass cockroach looking enemy. I was immediately startled as this thing saunters towards you. It getting a little too close for comfort so i do a quick turn and book it to get some space. Well, anyone who's played resident evil knows that the enemies are programmed to run towards to you to close the space and keep tensions high. So when i turn back around, the fucking bug is scurrying on the floor like a literal got damn cockroach. My anxiety is at the ceiling.
So i stand my ground and try to fight the thing and i can't kill it before it gets to me and i'm think it's just going to do a regular swipe/grab like the other enemies do but oh no. This fucking thing grabs you and the camera cuts to a first person view of this big ass cockroach staring you down as it stabs you with it's limbs. I'm surprised i didn't completely shit myself but i died like 2 more times to that one bug and everytime i did i had to look away from the screen.
Ok i killed it, I can go on with the rest of the level right? No big deal? Well no, because to advance through the rest of the level, there are a ton of sacks that are hanging from the ceiling that these things burst out from and in perfect horror fashion, not every sack you approach is gonna have a bug that pops out. If you're paying attention you can tell which sacks have bugs in them because they will twitch as you approach it. I died a few more times to these things and combined but the jump scares of them popping out of the sacks, i put the game down for like 3 days.
Ironically enough this is pretty much right at the end of the game and once you beat this level, they only show up once more towards the very end. I'm so happy they show up as late as they do because if they showed up earlier in the game, i'd just be paranoid the whole time that they'd be in every subsequent encounter