....You know, when it's clear beyond a shadow of a doubt that you're gonna have to reload

One of mine was when I was dragging unconscious Sokolov away from the greenhouse, and for some reason I decided to jump towards
a chain and climb down, not realizing that it would effectively throw Sokolov off.

So I'm hanging on the chain, watching the good doctor's body sail through the air, land on the nearby roof, and then (thank you, ragdoll
physics!) kind of begin a slow descent to the ground.

So I jump after him, juuuuust miss him, as he goes like a Slinky down several roofs in slo-mo, and I kind of cringe each time he lands on a new roof,
but he's still alive somehow, so I'm hoping *maybe* he'll be OK....until finally falls off the final roof and OH GREAT there's this big ol' blood stain spreading out,
so.... Yeah.

Reload!!

Well not really in the criteria you specified, but I said out loud "Oh [censored]" when Daud murdered the empress, due to how brutal and badass it was.

Similar experience with Sokolov...I tried to swim to the boat while carrying him...yeah, bad idea...