... you are using bow/xbow and a 2H, then you get ambushed at night in a town or village and you have to face off against 3-5 archers. No chance whatsoever since you have no shield
... you enter a battle at less than 100% health, and a javeliner gets a lucky shot from 70 paces and insta-kills you.
... you are charging the enemy and the horse dies, then you do a face-slide along the dirt right inbetween 3+++ enemy infantry.
... you're bow/xbow specced with your character, you're last man standing against 3-5 enemies... and you have no more arrows...
... you just escaped captivity from a bandit group or enemy Lord, and while trying to run away you get caught by another bandit group or Lord then get captured all over again >.<
Add your own moments of frustration