There has been only one game that has made me jump in my seat, and that would be Doom 3. The frequent use of the flashlight to find your way around was just hell. I was walking along in a corridor when an enemy monster-thing pops out from the floor below me - was totally not expecting it since the hallway looked clear.
None of the Fear games scared me at all :/
Fatal Frame scared the shit out of me. I mean any game where you fight off ghosts without a gun would be pretty terrifying
Its strange that none of you mention SH2..IMO one of the most disturbing games out there..
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one of the best games ever made