Bears are scary. Especially in pairs, they can kill you fast, especially if you're like me and don't usually block. (I'm more of a dual-wielder/spellsword on most of my characters)
You know what's even scarier?
Three. bloody. Frost. Trolls. Near a certain Daedric shrine, near Windhelm. Lucky that the character I was playing was a very high level so I took them down pretty easily. Can't imagine what it would look like if I stumbled on them on a lower level.
Even on level 46 they were pretty hard. When I first ran across them, I died almost instantly. Worst part, J'Zargo was even playing back-up to me. I had to dance in big circles around J'Zargo so we would both be able to deal damage at the same time.
It's funny when the most docile and whimpy NPCs gather around a fight shouting things like "12 Septims on the big one," or "DRIVE THAT SNOWBACK TO THE GROUND!"
A little while ago, I've had the "12 septims on the big one" quote when fighting my first ancient dragon. I was really like "thanks pal".