yeah, horror is definitely a mileage may vary genre. some people are scared of some things, others not so much. I found XCOM: Enemy Unknown pretty unnerving to be honest, and that's not even a horror game.
I really need to play that i heard about it and that it was intense especially since your team can die permanently. I remember that dream sequence in Max Payne 1 as well, that freaked me out hardcore XD
yeah... about that... I named my soldiers after my close friends and every single time they die I want to cry. and don't get me started on that dream sequence lol